Towd Point Mortgage Trust 2025-CRM2 ABS-15G

Exhibit 99.1 - Schedule 3

 

 

 

 

 

Exception Grades

Run Date - 6/5/2025 2:10:29 PM    

 

SitusAMC Loan ID Customer Loan ID Seller Loan ID Investor Loan Number Loan Exception ID Exception ID Exception Date Exception Type Exception Category Exception Subcategory 15E Category Exception Exception Detail Exception Information Compensating Factors Compensating Factor Information Applying Party Follow-up Comments Cleared Date Cured Date Waived Date Exception Level Grade DBRS Initial Exception Rating DBRS Final Exception Rating Fitch Initial Exception Rating Fitch Final Exception Rating Kroll Initial Exception Rating Kroll Final Exception Rating Moody's Initial Exception Rating Moody's Final Exception Rating S&P Initial Exception Rating S&P Final Exception Rating Note Date Property State Occupancy Purpose Exception Remediation Overall
Initial Loan Grade		 Overall
Final Loan Grade		 Credit
Initial Loan Grade		 Credit
Final Loan Grade		 Compliance
Initial Loan Grade		 Compliance
Final Loan Grade		 Property
Initial Loan Grade		 Property
Final Loan Grade		 Originator QM ATR Status TPR QM ATR Status Is Curable
[Redacted] [Redacted] [Redacted] 1 26492933     Credit Loan Package Documentation Loan File Missing Document  Missing Document: Hazard Insurance Policy not provided   Approval and 1003 indicate "other" charge of $[redacted] for PITIA with no document provided to determine what it is for.       Reviewer Comment (2022-08-17): Lender used a higher payment to qualify.


Seller Comment (2022-08-17): The mortgage payment difference of $[redacted] is the difference between the estimated mortgage payment using documentation in the file ( tax cert-HOI ) and the final mortgage payment. Est $[redacted]and final $[redacted].
 08/17/2022     1 C A C A C A C A C A   OR Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3 26745622     Credit Asset Asset Calculation / Analysis Asset Available for Closing is insufficient to cover Cash From Borrower. Documented qualifying Assets for Closing of  ___ is less than Cash From Borrower ___.         Reviewer Comment (2022-09-19): Not required per lender guidelines.


Seller Comment (2022-09-16): Assets not required when cash to close is < [redacted]months housing obligation.  Cash to close is $[redacted].  Housing obligation is $[redacted]
 09/19/2022     1 C A C A C A C A C A   FL Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 6 28553346     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and [redacted] not provided.  Worst Case Scenario between [redacted]e and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 7 28553376     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   DE Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 8 28553428     Credit Income / Employment Income Documentation Income / Employment Verification(s) of employment is not within [redacted] of the Note. -         Reviewer Comment (2022-08-16): VVOE was provided.
 08/16/2022     1 C A C A C A C A C A   MI Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 8 28553430     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   MI Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 9 28553662     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: -         Reviewer Comment (2022-08-22): Third party verification was provided.


Seller Comment (2022-08-19): Business Tax Returns


Seller Comment (2022-08-19): Balance Sheet


Seller Comment (2022-08-19): P&L


Seller Comment (2022-08-19): Paystub [redacted]


Seller Comment (2022-08-19): [redacted] W2


Seller Comment (2022-08-19): [redacted] Tax Return


Seller Comment (2022-08-19): Third Party Verification uploaded
 08/22/2022     1 C A C A C A C A C A   OR Primary Refinance - Cash-out - Other   C A C A C A A A     No
[Redacted] [Redacted] [Redacted] 9 28553663     Credit Income / Employment Income Documentation Income / Employment The verification of employment is required and was not found in file. -         Reviewer Comment (2022-08-17): VVOE was provided.


Seller Comment (2022-08-17): HELOC Agreement Date- [redacted]. VVOE Snip uploaded shows employment verified on [redacted]
 08/17/2022     1 C A C A C A C A C A   OR Primary Refinance - Cash-out - Other   C A C A C A A A     No
[Redacted] [Redacted] [Redacted] 9 28553665     Compliance Compliance Federal Compliance TILA TILA HELOC - Billing Rights Disclosure Missing  Truth in Lending Act (HELOC): [redacted] disclosure not provided to borrower. Billing Rights Disclosure not provided.       Reviewer Comment (2022-08-22): Provided as part of HELOC agreement.


Seller Comment (2022-08-19): Signed closing package


Seller Comment (2022-08-19): Provided to borrower in signed closing package. See page [redacted]of closing package.


Seller Comment (2022-08-19): Disagree. Included in the closing package.
 08/22/2022     1 C A C A C A C A C A   OR Primary Refinance - Cash-out - Other   C A C A C A A A     No
[Redacted] [Redacted] [Redacted] 10 28553704     Credit Hazard Insurance Insufficient Coverage Hazard Insurance The Hazard Insurance Policy effective date is after the funds disbursed.             09/14/2022     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 10 28553707     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 12 28553754     Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Note - Senior Lien not provided           Reviewer Comment (2022-08-22): First lien terms documented.


Seller Comment (2022-08-20): [redacted]ST MTG [redacted]


Seller Comment (2022-08-20): The borrowers DOT and [redacted]st mortgage statement were uploaded to the AMC portal.
 08/22/2022     1 D A D A D A D A D A   CA Primary Refinance - Cash-out - Other   D A D A A A A A     No
[Redacted] [Redacted] [Redacted] 12 28553755     Credit Income / Employment Income Documentation Income / Employment The verification of employment is required and was not found in file. -         Reviewer Comment (2022-08-22): Employment verification provided.


Seller Comment (2022-08-20): BO2 [redacted] W2


Seller Comment (2022-08-20): BO2 VOI


Seller Comment (2022-08-20): BO[redacted] [redacted] W[redacted]


Seller Comment (2022-08-20): BO[redacted] VOI


Seller Comment (2022-08-20): Both borrowers VVOE, VOI and [redacted] W2's were uploaded to the [redacted] portal and document a [redacted]+ years employment history for both.
 08/22/2022     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   D A D A A A A A     No
[Redacted] [Redacted] [Redacted] 13 28553880     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Approval not provided           Reviewer Comment (2022-08-22): Lender approval provided.


Seller Comment (2022-08-20): The UW Worksheet/Approval was uploaded to the [redacted] portal.


Reviewer Comment (2022-08-17): Trailing docs did not contain any docs to clear this exception.
 08/22/2022     1 C A C A C A C A C A   IL Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 14 28553882     Credit Hazard Insurance Insufficient Coverage Hazard Insurance The Hazard Insurance Policy Effective Date is after closing.           Reviewer Comment (2022-08-16): Policy provided with previous effective date prior to renewal
 08/16/2022     1 C A C A C A C A C A   NC Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 14 28553885     Credit Credit Credit Calculation / Analysis Guideline Guideline Requirement: Representative FICO score discrepancy. Representative FICO score of ___ is less than Guideline representative FICO score of ___. Program requires minimum FICO of [redacted] with use of AVM.       Reviewer Comment (2022-08-16): Lender provided a more recent matrix than was used for original review. No FICO requirement.
 08/16/2022     1 C A C A C A C A C A   NC Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 15 28553887     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.         Reviewer Comment (2025-04-09): Policy provided showing coverage equal to loan amount.
 04/09/2025     1 B A B A B A B A B A   CO Primary Refinance - Cash-out - Other   B A B A A A A A     No
[Redacted] [Redacted] [Redacted] 17 28553952     Credit Credit Credit Documentation Missing Document  Missing Document: Credit Report not provided           Reviewer Comment (2022-08-22): Full credit report provided.


Seller Comment (2022-08-20): The borrowers joint credit report dated[redacted] used to qualify has been uploaded to the [redacted] portal.


Reviewer Comment (2022-08-17): Trailing docs did not contain any docs to clear this exception.
 08/22/2022     1 D A D A D A D A D A   WA Primary Refinance - Cash-out - Other   D A D A A A A A     No
[Redacted] [Redacted] [Redacted] 17 28553953     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline AUS Findings: All conditions were not met   The file does not contain a Credit Report as required by the Lender Guidelines.       Reviewer Comment (2022-08-22): Full credit report provided.


Seller Comment (2022-08-20): The borrowers joint credit report dated [redacted] used to qualify has been uploaded to the [redacted] portal.


Reviewer Comment (2022-08-17): Trailing docs did not contain any docs to clear this exception.
 08/22/2022     1 C A C A C A C A C A   WA Primary Refinance - Cash-out - Other   D A D A A A A A     No
[Redacted] [Redacted] [Redacted] 17 28553956     Credit Loan Package Documentation Loan File Missing Document  Missing Document: Hazard Insurance Policy not provided   Approval and 1003 indicate "other" charge of [redacted] for PITIA with no document provided to determine what it is for.       Reviewer Comment (2022-08-17): Lender used a higher payment to qualify.
 08/17/2022     1 C A C A C A C A C A   WA Primary Refinance - Cash-out - Other   D A D A A A A A     No
[Redacted] [Redacted] [Redacted] 18 28553993     Credit Income / Employment Income Documentation Income / Employment Income documentation requirements not met.   Confirmation of self-employment was not provided. No CPA letter, Business license or Secretary of State search, listing of business and address or processor certification was provided.       Reviewer Comment (2022-08-22): Third party verification provided.


Seller Comment (2022-08-20): VVOE


Seller Comment (2022-08-20): The borrowers State of California business search reflects Active and in good standing; this and the VVOE were uploaded to the [redacted] portal.


Reviewer Comment (2022-08-17): Trailing docs did not contain any docs to clear this exception.
 08/22/2022     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 19 28553995     Credit Income / Employment Income Documentation Income / Employment The verification of employment is required and was not found in file. - Missing VOE for borrower's prior employment in the [redacted].  Borrower has been in current job for less than [redacted] and [redacted] of continuous employment is required.       Reviewer Comment (2022-08-17): [redacted] and [redacted] W2's provided for two year history.


Reviewer Comment (2022-08-12): Meant to only add comment not override.


Reviewer Comment (2022-08-12): Missing VOE for borrower's prior employment in the [redacted].  Borrower has been in current job for less than [redacted] years and[redacted] years of continuous employment is required.
 08/17/2022     1 C A C A C A C A C A   GA Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 19 28553996     Compliance Compliance Federal Compliance RESPA RESPA Disclosure - List of Homeownership Counseling Organizations Missing RESPA Disclosure Rule (Dodd-Frank [redacted] ): Creditor did not provide List of Homeownership Counseling Organizations to borrower.                 2 B B B B B B B B B B   GA Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 19 28553997     Compliance Loan Package Documentation Application / Processing Missing, Incorrect, or Incomplete Final or Initial 1003 Missing Document: Missing Lender's Initial [redacted]                   2 B B B B B B B B B B   GA Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 19 28553999     Credit Income / Employment Income Documentation Income / Employment Income documentation requirements not met.   Missing VOE for borrower's prior employment in the [redacted].  Borrower has been in current job for less than [redacted] and [redacted] of continuous employment is required.       Reviewer Comment (2022-08-17): [redacted] and [redacted] W2's provided for two year history.
 08/17/2022     1 C A C A C A C A C A   GA Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 21 28554039     Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   Provide updated coverage or a replacement cost estimator to verify current coverage is sufficient.       Reviewer Comment (2022-08-16): Policy provided showing guaranteed replacement coverage.
 08/16/2022     1 C A C A C A C A C A   VA Primary Refinance - Cash-out - Debt Consolidation   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 22 28554042     Credit Income / Employment Income Documentation Income / Employment The verification of employment is required and was not found in file. -         Reviewer Comment (2022-08-17): [redacted] and [redacted] W2's provided for two year history.
 08/17/2022     1 C A C A C A C A C A   GA Primary Refinance - Cash-out - Debt Consolidation   C A C A B A A A     No
[Redacted] [Redacted] [Redacted] 22 28554044     Credit Income / Employment Income Documentation Income / Employment Income documentation requirements not met.   Verification of [redacted] employment was not provided.       Reviewer Comment (2022-08-17): [redacted] and [redacted] W2's provided for two year history.
 08/17/2022     1 C A C A C A C A C A   GA Primary Refinance - Cash-out - Debt Consolidation   C A C A B A A A     No
[Redacted] [Redacted] [Redacted] 22 28554045     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.         Reviewer Comment (2022-08-22): Provided.


Seller Comment (2022-08-19): [redacted]
 08/22/2022     1 B A B A B A B A B A   GA Primary Refinance - Cash-out - Debt Consolidation   C A C A B A A A     No
[Redacted] [Redacted] [Redacted] 23 28554092     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   KY Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 25 28554120     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 25 28554124     Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   Provide updated coverage or a replacement cost estimator to verify current coverage is sufficient.       Reviewer Comment (2022-08-18): Policy provided states coverage is based on an estimate of the cost to rebuild.


Seller Comment (2022-08-17): The HOI policy with dwelling coverage of $[redacted] is sufficient and was uploaded to the[redacted] portal; additionally the policy contains Repl Cost-Dwell Oridinace/Law coverage included in the premium.
 08/18/2022     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 26 28554117     Credit Credit Credit Calculation / Analysis Guideline Guideline Requirement: Representative FICO score discrepancy. Representative FICO score of ___ is less than Guideline representative FICO score of ___. Fico of [redacted] required to provide an AVM.       Reviewer Comment (2022-08-18): Lender states that more recent matrix than that provided for original review was used.
 08/18/2022     1 C A C A C A C A C A   GA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 27 28554126     Credit Loan Package Documentation Loan File Missing Document  Missing Document: Hazard Insurance Policy not provided           Reviewer Comment (2022-08-16): Policy provided.
 08/16/2022     1 C A C A C A C A C A   PA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 28 28554134     Credit Income / Employment Income Documentation Income / Employment The verification of employment is required and was not found in file. - File is missing a verification of employment for the borrower's prior employment to verify [redacted] of employment.       Reviewer Comment (2022-08-18): [redacted] and [redacted] W2's provided for two-year history.


Seller Comment (2022-08-17): Former Employer- W2 uploaded for review. VVOE not required for former employers when W2s and/or other income documents are provided for the former employer within [redacted] years of the application
 08/18/2022     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 28 28554135     Credit Income / Employment Income Documentation Income / Employment The verification of employment is required and was not found in file. - File is missing a verification of employment for the borrower's prior employment to verify [redacted] of employment.       Reviewer Comment (2022-08-18): [redacted] and[redacted] W2's provided for [redacted]-year history.


Seller Comment (2022-08-17): Former Employer- W2 uploaded for review. VVOE not required for former employers when W2s and/or other income documents are provided for the former employer within[redacted]years of the application
 08/18/2022     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 28 28554136     Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   Guidelines require equal to the lesser of the following: [redacted] of the insurable value of the improvements, as established by the property insurer; or the unpaid principal balance of all existing liens.       Reviewer Comment (2022-09-08): Coverage meets guidelines per [redacted] matrix.


Buyer Comment (2022-09-07): Do you agree with [redacted] response?   Is coverage sufficient per guides?


Reviewer Comment (2022-08-18): Refer to buyer.


Seller Comment (2022-08-17): The HOI policy uploaded for review shows $[redacted]in dwelling coverage with [redacted]% extended replacement cost and [redacted]% Ordinance or Law coverage totaling $[redacted]. Total proposed liens are $[redacted]
 09/08/2022     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 28 28554137     Credit Insurance Insurance Analysis Insurance Hazard Insurance Policy expires within [redacted] of the Note Date. Hazard Insurance Policy Expiration Date ___, Note Date ___         Reviewer Comment (2022-08-30): Insurance documentation provided meets lender guidelines.


Seller Comment (2022-08-29): [redacted] requires the renewal HOI policy when the current HOI policy  expires within [redacted] calendar days of the note. The difference between [redacted] and [redacted](including both days):[redacted]calendar days
 08/30/2022     1 B A B A B A B A B A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 31 28554166     Credit Loan Package Documentation Loan File Missing Document  Missing Document: Hazard Insurance Policy not provided           Reviewer Comment (2022-08-17): Hazard policy provided.


Seller Comment (2022-08-17): HOI Policy uploaded for review
 08/17/2022     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 32 28554189     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. Rate Lock document not in file Initial Application date [redacted]               2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 32 28554191     Credit Loan Package Documentation Loan File Missing Document  Missing Document: Hazard Insurance Policy not provided   Approval and [redacted]indicate "other" charge of [redacted] for PITIA with no document provided to determine what it is for.       Reviewer Comment (2022-08-17): Lender used a higher payment to qualify.


Seller Comment (2022-08-17): The mortgage payment difference of $[redacted] is the difference between the estimated mortgage payment using documentation in the file ( tax cert-HOI ) and the final mortgage payment. Est $[redacted] and final $[redacted].
 08/17/2022     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 33 28554206     Credit Legal / Regulatory / Compliance Title / Lien Defect Legal / Regulatory / Compliance Final Title Policy is missing. No evidence of title in file.           Reviewer Comment (2022-08-15): Title search provided.
 08/15/2022     1 C A C A C A C A C A   FL Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 33 28554208     Credit Hazard Insurance Insufficient Coverage Hazard Insurance The Hazard Insurance Policy Effective Date is after closing.           Reviewer Comment (2022-08-17): Policy in affect at closing was provided.
 08/17/2022     1 C A C A C A C A C A   FL Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 33 28554210     Credit Income / Employment Income Documentation Income / Employment Verification(s) of employment is not within [redacted] days of the Note. - Verification(s) of employment is not within [redacted] days of the Note.       Reviewer Comment (2022-08-17): VVOE was provided.
 08/17/2022     1 C A C A C A C A C A   FL Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 33 28554211     Credit Income / Employment Income Documentation Income / Employment Verification(s) of employment is not within [redacted] days of the Note. - Verification(s) of employment is not within [redacted] days of the Note       Reviewer Comment (2022-08-17): VVOE was provided.
 08/17/2022     1 C A C A C A C A C A   FL Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 34 28554229     Property Property - Appraisal Appraisal Reconciliation Property - Appraisal Appraisal is required to be in name of Lender -                 2 B B B B B B B B B B   OH Primary Refinance - Cash-out - Other   C B C A B B B B     No
[Redacted] [Redacted] [Redacted] 34 28554231     Credit Income / Employment Income Documentation Income / Employment The verification of employment is required and was not found in file. -         Reviewer Comment (2022-08-23): [redacted] and [redacted] W2's provided for two-year history.


Seller Comment (2022-08-19): [redacted] W2


Seller Comment (2022-08-19): VOI


Seller Comment (2022-08-19): Invalid exception; The borrowers VVOE, VOI, [redacted] and[redacted]W2's from current and previous employment were uploaded to the [redacted] portal and covers a [redacted]+ year history of employment.
 08/23/2022     1 C A C A C A C A C A   OH Primary Refinance - Cash-out - Other   C B C A B B B B     No
[Redacted] [Redacted] [Redacted] 34 28554232     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   OH Primary Refinance - Cash-out - Other   C B C A B B B B     No
[Redacted] [Redacted] [Redacted] 34 28554233     Compliance Compliance State Compliance Misc. State Level Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) [redacted] Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender.                 2 B B B B B B B B B B   OH Primary Refinance - Cash-out - Other   C B C A B B B B     No
[Redacted] [Redacted] [Redacted] 34 28554234     Compliance Compliance State Compliance Misc. State Level Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) [redacted] Consumer Sales Practices Act:  Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit.                 2 B B B B B B B B B B   OH Primary Refinance - Cash-out - Other   C B C A B B B B     No
[Redacted] [Redacted] [Redacted] 34 28554238     Credit Income / Employment Income Documentation Income / Employment Income documentation requirements not met.   VOE for prior employment not provided.       Reviewer Comment (2022-08-23): [redacted] and [redacted] W2's provided for two-year history.


Seller Comment (2022-08-19): [redacted] W2


Seller Comment (2022-08-19): VOI


Seller Comment (2022-08-19): Invalid exception; The borrowers VVOE, VOI, [redacted] and[redacted] W2's from current and previous employment were uploaded to the [redacted] portal and covers a [redacted]+ year history of employment.
 08/23/2022     1 C A C A C A C A C A   OH Primary Refinance - Cash-out - Other   C B C A B B B B     No
[Redacted] [Redacted] [Redacted] 35 28554240     Credit Loan Package Documentation Closing / Title Missing Document  Missing Document: Security Instrument - Subject Lien not provided           Reviewer Comment (2022-08-22): First lien terms documented.


Seller Comment (2022-08-20): The DOT was uploaded to the [redacted] portal.


Reviewer Comment (2022-08-18): Deed of Trust provided is dated [redacted] and shows loan amount of $[redacted].  Subject note date is [redacted] with loan amount of $[redacted]. Issue remains.


Seller Comment (2022-08-17): The DOT was uploaded.
 08/22/2022     1 D A D A D A D A D A   GA Primary Refinance - Cash-out - Other   D B D A B B A A     No
[Redacted] [Redacted] [Redacted] 35 28554242     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline AUS Findings: All conditions were not met   Missing award letter for borrower's [redacted] type and award letter for borrower's [redacted] type not signed and dated.       Reviewer Comment (2022-08-18): Disability award letter provided.


Seller Comment (2022-08-17): [redacted]


Seller Comment (2022-08-17): Per the [redacted] guidelines VA/Office of personnel management/Department of Defense/Railroad does not require documentation to show continuance. This does not need to be signed. Award letter uploaded.
 08/18/2022     1 C A C A C A C A C A   GA Primary Refinance - Cash-out - Other   D B D A B B A A     No
[Redacted] [Redacted] [Redacted] 35 28554243     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: -         Reviewer Comment (2022-08-18): Disability award letter provided.


Seller Comment (2022-08-17): [redacted] Award Letter


Seller Comment (2022-08-17): "Per the [redacted] guidelines Veterans [redacted] benefits, etc.) may be treated as acceptable, stable income, unless the
terms of the [redacted] policy specifically limit the stability or continuity of the benefit payments.
 08/18/2022     1 C A C A C A C A C A   GA Primary Refinance - Cash-out - Other   D B D A B B A A     No
[Redacted] [Redacted] [Redacted] 35 28554245     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements                 2 B B B B B B B B B B   GA Primary Refinance - Cash-out - Other   D B D A B B A A     No
[Redacted] [Redacted] [Redacted] 39 28554444     Credit Credit Credit Documentation Guideline The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file.   The credit report reflects [redacted] mortgage history [redacted] [redacted] which is more than [redacted] from the application date and less than [redacted] were verified.  A credit report supplement is required to support no late payments in [redacted] and [redacted].       Reviewer Comment (2022-08-12): Combination of housing history documents provided meets lender requirements.


Seller Comment (2022-08-12): "Application date- [redacted]
[redacted] DLA showing on the credit report- [redacted]

The mortgage statement (uploaded) provided shows the last mortgage payment was made [Redacted]. The mortgage statement does not show any late or other fees paid since the last statement or year to date.

The Housing History section in the matrices with a [redacted] release date (uploaded) shows: Max [redacted] inclusive of all mortgages and all REO for all borrowers on the transaction (No late payments in the past [redacted]months and not more than [redacted]late payment in the past [redacted]months)
Using the Housing History info from the matrices as of the application date
Information added on [Redacted] by [Redacted]
"
 08/12/2022     1 C A C A C A C A C A   PA Primary Refinance - Cash-out - Other   C A C A B A A A     No
[Redacted] [Redacted] [Redacted] 39 28554445     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. .       Reviewer Comment (2022-08-23): Provided.


Seller Comment (2022-08-19): [redacted] date rate was set
 08/23/2022     1 B A B A B A B A B A   PA Primary Refinance - Cash-out - Other   C A C A B A A A     No
[Redacted] [Redacted] [Redacted] 41 28554612     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Approval not provided           Reviewer Comment (2022-08-23): Provided.


Seller Comment (2022-08-19): The UW Worksheet/Approval was uploaded to the [redacted]C portal.
 08/23/2022     1 C A C A C A C A C A   MI Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 41 28554614     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   MI Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 42 28554667     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: -         Reviewer Comment (2022-08-23): VVOE was provided.


Seller Comment (2022-08-19): Paystub 2


Seller Comment (2022-08-19): Paystub 1


Seller Comment (2022-08-19): [redacted] W2


Reviewer Comment (2022-08-15): Guidelines required a VVOE, None were provided.
 08/23/2022     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Debt Consolidation   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 42 28554668     Credit Income / Employment Income Documentation Income / Employment Verification(s) of employment is not within [redacted] business days of the Note. -         Reviewer Comment (2022-08-23): VVOE was provided.


Seller Comment (2022-08-19): HELOC Agreement Date- [redacted]. VVOE Snip uploaded shows employment verified on [redacted]


Reviewer Comment (2022-08-15): Guidelines required a VVOE, None were provided.
 08/23/2022     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Debt Consolidation   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 44 28554882     Credit Income / Employment Income Documentation Income / Employment The verification of employment is required and was not found in file. -         Reviewer Comment (2022-08-23): [redacted] and [redacted] W2's provided for two-year history.


Seller Comment (2022-08-19): W2s uploaded for review and VVOE Snip uploaded for verification of employment. Other income documents are provided employer within [redacted] years of the application.
 08/23/2022     1 C A C A C A C A C A   KS Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 44 28554883     Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.           Reviewer Comment (2022-08-04): O&E provided.
 08/04/2022     1 A A A A A A A A A A   KS Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 44 28554885     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   KS Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 47 28554972     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 48 28554977     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 49 28554980     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 52 28555037     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Approval not provided           Reviewer Comment (2022-09-16): Lender approval documentation provided.


Seller Comment (2022-09-16): UW approval
 09/16/2022     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 54 28555054     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 56 28555084     Credit Income / Employment Income Documentation Income / Employment The verification of employment is required and was not found in file. -           09/16/2022     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 56 28555085     Credit Income / Employment Income Documentation Income / Employment The verification of employment is required and was not found in file. -           09/16/2022     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 56 28555087     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 56 28555088     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing. -           09/16/2022     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 57 28555108     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Approval not provided           Reviewer Comment (2022-09-16): Lender approval docs provided.


Seller Comment (2022-09-16): UW WOrksheet- approval
 09/16/2022     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A B A A A     No
[Redacted] [Redacted] [Redacted] 57 28555110     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.         Reviewer Comment (2022-09-16): Rate lock provided.


Seller Comment (2022-09-16): Lock Confirmation
 09/16/2022     1 B A B A B A B A B A   CA Primary Refinance - Cash-out - Other   C A C A B A A A     No
[Redacted] [Redacted] [Redacted] 59 28555133     Compliance Compliance Federal Compliance TILA TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           09/16/2022     1 C A C A C A C A C A   CO Primary Refinance - Cash-out - Other   C B A A C B A A     No
[Redacted] [Redacted] [Redacted] 59 28555134     Compliance Compliance Federal Compliance TILA TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           09/21/2022     1 C A C A C A C A C A   CO Primary Refinance - Cash-out - Other   C B A A C B A A     No
[Redacted] [Redacted] [Redacted] 59 28555135     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   CO Primary Refinance - Cash-out - Other   C B A A C B A A     No
[Redacted] [Redacted] [Redacted] 59 28555136     Compliance Compliance Federal Compliance RESPA RESPA Disclosure - List of Homeownership Counseling Organizations Missing RESPA Disclosure Rule (Dodd-Frank [redacted] ): Creditor did not provide List of Homeownership Counseling Organizations to borrower.           09/21/2022     1 B A B A B A B A B A   CO Primary Refinance - Cash-out - Other   C B A A C B A A     No
[Redacted] [Redacted] [Redacted] 61 28555153     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   AZ Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 62 28555158     Credit Income / Employment Income Documentation Income / Employment The verification of employment is required and was not found in file. -         Reviewer Comment (2022-09-26): VVOE provided.


Seller Comment (2022-09-26): vvoe uploaded


Reviewer Comment (2022-09-22): Unable to clear. Please provide legible copy of the VVOE. Copy received is cut off and does not reflect the borrower's name.


Seller Comment (2022-09-21): See pages [redacted] of docs provided for paystubs
 09/26/2022     1 C A C A C A C A C A   AZ Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 62 28555159     Credit Income / Employment Income Documentation Income / Employment Verification(s) of employment is not within [redacted]business days of the Note. -         Reviewer Comment (2022-09-26): VVOE provided.


Seller Comment (2022-09-26): vvoe


Reviewer Comment (2022-09-22): Unable to clear. Please provide legible copy of the VVOE. Copy received is cut off and does not reflect the borrower's name.


Seller Comment (2022-09-21): VVOE
 09/26/2022     1 C A C A C A C A C A   AZ Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 64 28555190     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing. -           09/13/2022     1 C A C A C A C A C A   OH Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 64 28555191     Compliance Compliance State Compliance Misc. State Level Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) [redacted] Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender.                 2 B B B B B B B B B B   OH Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 64 28555192     Compliance Compliance State Compliance Misc. State Level Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) [redacted] Consumer Sales Practices Act:  Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit.                 2 B B B B B B B B B B   OH Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 66 28555203     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 66 28555204     Compliance Compliance Federal Compliance RESPA RESPA Disclosure - List of Homeownership Counseling Organizations Missing RESPA Disclosure Rule (Dodd-Frank [redacted] ): Creditor did not provide List of Homeownership Counseling Organizations to borrower.                 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 69 28555234     Credit Guideline Guideline Issue Guideline Borrower has been on current job less than 2 years, and prior employment history was not documented as required. -           09/15/2022     1 C A C A C A C A C A   OH Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 69 28555238     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   OH Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 69 28555239     Compliance Compliance State Compliance Misc. State Level Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) [redacted] Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender.                 2 B B B B B B B B B B   OH Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 69 28555240     Compliance Compliance State Compliance Misc. State Level Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) [redacted] Consumer Sales Practices Act:  Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit.                 2 B B B B B B B B B B   OH Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 69 28555241     Compliance Compliance State Compliance Misc. State Level Ohio Consumer Sales Practices Act (Right Not To Close Disclosure Not Provided) [redacted] Consumer Sales Practices Act: Borrower not provided Right Not To Close Disclosure.                 2 B B B B B B B B B B   OH Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 69 28555243     Credit Income / Employment Income Documentation Income / Employment The verification of employment is required and was not found in file. -           09/15/2022     1 C A C A C A C A C A   OH Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 72 28555259     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing. -           09/15/2022     1 C A C A C A C A C A   PA Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 72 28555260     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   PA Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 73 28555288     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Approval not provided             09/14/2022     1 C A C A C A C A C A   NJ Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 74 28555297     Compliance Compliance Federal Compliance RESPA RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application RESPA Disclosure Rule (Dodd-Frank [redacted] ): List of Homeownership Counseling Organizations not provided to applicant within three ([redacted]) business days of application.                 2 B B B B B B B B B B   OR Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 76 28555306     Credit Title Document Error Title The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.             09/16/2022     1 C A C A C A C A C A   FL Primary Refinance - Cash-out - Other   C B C B A A A A     No
[Redacted] [Redacted] [Redacted] 76 28555310     Credit Credit Credit Eligibility Guideline Public Record Issue: -                 2 B B B B B B B B B B   FL Primary Refinance - Cash-out - Other   C B C B A A A A     No
[Redacted] [Redacted] [Redacted] 76 28555311     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline AUS/Guideline Findings: All conditions were not met             09/16/2022     1 C A C A C A C A C A   FL Primary Refinance - Cash-out - Other   C B C B A A A A     No
[Redacted] [Redacted] [Redacted] 78 28555342     Compliance Compliance State Compliance Misc. State Level Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Received Timely) [redacted] Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not received by borrower within five ([redacted]) business days of application.                 2 B B B B B B B B B B   OH Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 78 28555343     Compliance Compliance State Compliance Misc. State Level Ohio Consumer Sales Practices Act (Default Rate Increase) [redacted]Consumer Sales Practices Act: Mortgage loan contains an impermissible demand feature.                 2 B B B B B B B B B B   OH Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 78 28555344     Compliance Compliance State Compliance Misc. State Level Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) [redcated] Consumer Sales Practices Act:  Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit.                 2 B B B B B B B B B B   OH Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 78 28555345     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.             09/20/2022     1 C A C A C A C A C A   OH Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 79 28555357     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 80 28555361     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 83 28555392     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.         Reviewer Comment (2022-09-14): Right to cancel provided.


Seller Comment (2022-09-13): uploaded ROR
 09/14/2022     1 C A C A C A C A C A   VA Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C A A A C A A A     Yes
[Redacted] [Redacted] [Redacted] 85 28555420     Credit Credit Credit Calculation / Analysis Guideline Guideline Requirement: Representative FICO score discrepancy. Representative FICO score of ___ is less than Guideline representative FICO score of ___. As per the Guidelines, on a Non-Correspondent loan, the Borrower has to have a Minimum of a [redacted] Credit score as a qualification for a AVM.       Reviewer Comment (2022-09-19): Acceptable per lender matrix.


Seller Comment (2022-09-16): app date is [redacted] which means the [redacted] guidelines apply. FICO is sufficient- Matrix uploaded
 09/19/2022     1 C A C A C A C A C A   AR Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 86 28555464     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.         Reviewer Comment (2022-09-19): Piggyback purchase.


Seller Comment (2022-09-16): Purchase no RTC required
 09/19/2022     1 C A C A C A C A C A   WA Primary Purchase TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C A A A C A A A     Yes
[Redacted] [Redacted] [Redacted] 86 28555465     Compliance Compliance Federal Compliance TILA Right of Rescission Not Provided - Purchase HELOC Notice of Right to Cancel was not provided for HELOC Residential Mortgage Transaction. Notice of Right to Cancel must be provided prior to each subsequent draw. EV2 exception.       Reviewer Comment (2022-09-23): Piggyback purchase documented.


Seller Comment (2022-09-22): ties to other condition
 09/23/2022     1   A   A   A   A   A   WA Primary Purchase LOE, reopen rescission (new NORTC and new 3-day rescission period) and proof of receipt C A A A C A A A     Yes
[Redacted] [Redacted] [Redacted] 87 28555488     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - ___ Per UW income analysis in file, borrower is straight commission and this was verified with Year end paystubs [redacted]and [redacted]and [redacted]income.  Please provided those paystubs or a WVOE with income broken down ( YTD and previous [redacted] years).       Reviewer Comment (2022-09-13): Provided


Seller Comment (2022-09-13): [redacted] YEAR END PAY STUB


Seller Comment (2022-09-13): The borrower's [redacted] and [redacted] year ending pay stubs, and the [redacted] YTD pay stub supporting gross commission income used were uploaded for review.
 09/13/2022     1 C A C A C A C A C A   FL Primary Refinance - Cash-out - Debt Consolidation   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 88 28555493     Credit Income / Employment Income Documentation Income / Employment The verification of employment is required and was not found in file. -           09/15/2022     1 C A C A C A C A C A   LA Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 88 28555499     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   LA Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 90 28555534     Credit Income / Employment Income Documentation Income / Employment Verification(s) of employment is not within [redacted]business days of the Note. - VOE is missing from Income docs to verify Employment per [redacted] Guideline requirements       Reviewer Comment (2022-09-14): VVOE and W2's provided.


Seller Comment (2022-09-13): [redacted] W2


Seller Comment (2022-09-13): The borrowers VVOE supporting a start date of [redacted] and completed [redacted] is ACTIVE. Also uploaded are the [redacted] and [redacted] W2's to support.
 09/14/2022     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 90 28555535     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - File is Missing the Income requirement for a VOE per [redacted] Guides       Reviewer Comment (2022-09-14): VVOE and W2s provided.
 09/14/2022     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 91 28555556     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   OH Primary Refinance - Cash-out - Debt Consolidation   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 92 28555560     Compliance Compliance State Compliance Misc. State Level Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) [redacted] Consumer Sales Practices Act:  Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit.                 2 B B B B B B B B B B   OH Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 93 28555590     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 94 28555605     Compliance Compliance Federal Compliance TILA HELOC Fees Used For Testing Truth in Lending Act (HELOC): Fees disclosed on Line of Credit Closing Statement exceed those disclosed in HELOC Agreement. Fees from the Line of Credit Closing Statement are used in any federal, state, and local high cost testing.                 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 95 28555612     Credit Asset Asset Calculation / Analysis Asset Available for Closing is insufficient to cover Cash From Borrower.   Sufficient Assets to cover the required funds to Close of [redacted] are missing Verification documents in the Loan Files. Missing Bank statements, VOD and other reliable Third party Assets verification documents.       Reviewer Comment (2022-09-19): Purchase transaction.


Seller Comment (2022-09-16): This is a piggyback purchase. We do not verify the cash to close.
 09/19/2022     1 C A C A C A C A C A   WA Primary Purchase   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 98 28555626     Credit Missing Document General Missing Document Missing Document: AVM not provided   Property inspection in file but no other valuation product provided.       Reviewer Comment (2022-09-12): provided


Seller Comment (2022-09-12): AVM
 09/12/2022     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 98 28555628     Credit Income / Employment Income Documentation Income / Employment Verification(s) of employment is not within [redacted]business days of the Note. -         Reviewer Comment (2022-09-13): Provided and cleared


Seller Comment (2022-09-13): INVALID EXCEPTION - Borrowers current employment with [redacted] began on [redacted]; this more than covers the [redacted]year employment history guideline requirement. Please remove.
 09/13/2022     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 98 28555629     Credit Income / Employment Income Documentation Income / Employment Verification(s) of employment is not within [redacted]business days of the Note. -         Reviewer Comment (2022-09-13): Provided and cleared


Seller Comment (2022-09-13): [redacted]W2


Seller Comment (2022-09-13): The borrowers VVOE, [redacted]and [redacted]W2's from [redacted] were uploaded for review and satisfies the [redacted]year employment history guideline.
 09/13/2022     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 100 28555693     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 101 28555708     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 103 28555714     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 104 28555719     Compliance Loan Package Documentation Application / Processing Missing, Incorrect, or Incomplete Final or Initial 1003 Missing Document: Missing Lender's Initial 1003                   2 B B B B B B B B B B   WA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 104 28555720     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   WA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 104 28555721     Compliance Compliance Federal Compliance RESPA RESPA Disclosure - List of Homeownership Counseling Organizations Missing RESPA Disclosure Rule (Dodd-Frank [redacted]): Creditor did not provide List of Homeownership Counseling Organizations to borrower.                 2 B B B B B B B B B B   WA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 106 28555748     Credit Missing Document General Missing Document Missing Document: AVM not provided   No valuation product provided.       Reviewer Comment (2022-09-12): AVM provided.


Seller Comment (2022-09-12): AVM
 09/12/2022     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 106 28555750     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: -         Reviewer Comment (2022-09-20): VVOE provided.


Seller Comment (2022-09-19): uploaded
 09/20/2022     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 106 28555751     Credit Income / Employment Income Documentation Income / Employment Income documentation requirements not met.   The lender did not complete a Verbal Verification of Employment for the current job.       Reviewer Comment (2022-09-20): VVOE provided.


Seller Comment (2022-09-19): w2


Seller Comment (2022-09-19): W2s
 09/20/2022     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 106 28555752     Credit Income / Employment Income Documentation Income / Employment The verification of employment is required and was not found in file. - This is prior employment captured to verify [redacted] years of employment.       Reviewer Comment (2022-09-20): Employment documented per guidelines.


Seller Comment (2022-09-19): VVOE complete borrower is active
 09/20/2022     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 106 28555753     Credit Income / Employment Income Documentation Income / Employment Verification(s) of employment is not within [redacted] business days of the Note. -         Reviewer Comment (2022-09-20): VVOE provided.


Seller Comment (2022-09-19): uploaded
 09/20/2022     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 108 28555797     Compliance Compliance State Compliance Misc. State Level Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) [redacted]Consumer Sales Practices Act:  Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit.                 2 B B B B B B B B B B   OH Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 110 28555810     Credit Loan Package Documentation Loan File Missing Document  Missing Document: Hazard Insurance Policy not provided           Reviewer Comment (2022-09-12): Hazard policy provided.


Seller Comment (2022-09-12): HOI Policy
 09/12/2022     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 111 28555829     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   AZ Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 112 28555833     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Approval not provided           Reviewer Comment (2022-09-19): Provided


Seller Comment (2022-09-16): UW worksheet
 09/19/2022     1 C A C A C A C A C A   NV Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 112 28555834     Credit Income / Employment Income Documentation Income / Employment Income documentation requirements not met.   Missing two years K-1's and 1065's, P&L and balance sheet for partnership loss.       Reviewer Comment (2022-09-19): Small partnership loss documented.


Seller Comment (2022-09-16): P&L [redacted]


Seller Comment (2022-09-16): [redacted]k1
 09/19/2022     1 C A C A C A C A C A   NV Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 113 28555840     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   C B A A C B A A     No
[Redacted] [Redacted] [Redacted] 113 28555841     Compliance Compliance Federal Compliance TILA TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.           09/15/2022     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C B A A C B A A     No
[Redacted] [Redacted] [Redacted] 119 28555925     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Fraud Report not provided             09/15/2022     1 C A C A C A C A C A   NH Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 119 28555928     Credit Hazard Insurance Document Error Hazard Insurance Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements.             09/15/2022     1 C A C A C A C A C A   NH Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 119 28555929     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   NH Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 120 28555941     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Approval not provided           Reviewer Comment (2022-09-19): Lender approval documents provided.


Seller Comment (2022-09-16): UW approval
 09/19/2022     1 C A C A C A C A C A   FL Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 121 28555961     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   NE Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 126 28556065     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 127 28556071     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Combined loan to value discrepancy.   Approval was based on Senior lien having a balance of [redacted] when actual amount of balance is [redacted] per documents in file       Reviewer Comment (2022-09-14): Lower first lien balance prior to closing documented.


Seller Comment (2022-09-13): FINAL HOI


Seller Comment (2022-09-13): [redacted] LIEN BALANCE


Seller Comment (2022-09-13): The corrected UW Worksheet and the current [redacted] Lien mortgage balance per paymnt history report were uploaded for review. The Worksheet matches the system at [redacted]% CLTV.
 09/14/2022     1 C A C A C A C A C A   LA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 128 28556081     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   AZ Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 131 28556162     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   C B A A C B A A     No
[Redacted] [Redacted] [Redacted] 131 28556163     Compliance Compliance Federal Compliance TILA TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.           09/21/2022     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C B A A C B A A     No
[Redacted] [Redacted] [Redacted] 132 28556171     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 133 28556184     Credit Title Document Error Title The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.             09/14/2022     1 B A B A B A B A B A   CA Primary Refinance - Cash-out - Debt Consolidation   B A B A A A A A     No
[Redacted] [Redacted] [Redacted] 133 28556188     Credit Legal / Regulatory / Compliance Title / Lien Defect Legal / Regulatory / Compliance Final Title Policy is missing. No evidence of title in file.             09/14/2022     1   A   A   A   A   A   CA Primary Refinance - Cash-out - Debt Consolidation   B A B A A A A A     No
[Redacted] [Redacted] [Redacted] 134 28556189     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on [redacted], prior to three ([redacted]) business days from transaction date of [redacted]. [redacted] Right to Cancel date is listed Midnight on [redacted] or the third business day following the latest event listed. Account opened [redacted] and Borrower signed document [redacted]       Reviewer Comment (2022-09-20): Piggyback purchase documented.


Seller Comment (2022-09-19): No RTC required on purchase transactions
 09/20/2022     1 C A C A C A C A C A   CA Primary Purchase TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C A A A C A A A     Yes
[Redacted] [Redacted] [Redacted] 134 28556190     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act:  Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). [redacted] Right to Cancel reflects expires [redacted] Prior to Borrower signing document on [redacted].       Reviewer Comment (2022-09-20): Piggyback purchase documented.


Seller Comment (2022-09-19): Uploaded all in last condition


Seller Comment (2022-09-19): RTC w correct dates
 09/20/2022     1 C A C A C A C A C A   CA Primary Purchase TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C A A A C A A A     Yes
[Redacted] [Redacted] [Redacted] 137 28556224     Compliance Compliance State Compliance Misc. State Level Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) [redacted] Consumer Sales Practices Act:  Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit.                 2 B B B B B B B B B B   OH Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 138 28556227     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Tax Certificate not provided             09/19/2022     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 138 28556228     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 139 28556236     Compliance Compliance Federal Compliance TILA HELOC Fees Used For Testing Truth in Lending Act (HELOC): Fees disclosed on Line of Credit Closing Statement exceed those disclosed in HELOC Agreement. Fees from the Line of Credit Closing Statement are used in any federal, state, and local high cost testing.                 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 140 28556257     Compliance Compliance State Compliance Misc. State Level Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) [redacted] Consumer Sales Practices Act:  Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit.                 2 B B B B B B B B B B   OH Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 141 28556270     Compliance Compliance State Compliance State Defect [redacted]SB [redacted] [redacted] Predatory Lending Database Program ([redacted]) - Certificate of Compliance or Exemption not attached to mortgage for recording. Document not located in file.       Reviewer Comment (2022-09-14): Provided.


Seller Comment (2022-09-14): uploaded IL doc
 09/14/2022     1 C A C A C A C A C A   IL Primary Refinance - Cash-out - Other   C A C A C A A A     No
[Redacted] [Redacted] [Redacted] 141 28556271     Credit Income / Employment Income Documentation Income / Employment The verification of employment is required and was not found in file. -         Reviewer Comment (2022-09-14): VVOE provided.


Seller Comment (2022-09-13): Uploaded VVOE Snip for review.
 09/14/2022     1 C A C A C A C A C A   IL Primary Refinance - Cash-out - Other   C A C A C A A A     No
[Redacted] [Redacted] [Redacted] 141 28556273     Credit Income / Employment Income Documentation Income / Employment Verification(s) of employment is not within [redacted] business days of the Note. -         Reviewer Comment (2022-09-14): VVOE provided.


Seller Comment (2022-09-13): VVOE attached and completed within [redacted] days of the Note.
 09/14/2022     1 C A C A C A C A C A   IL Primary Refinance - Cash-out - Other   C A C A C A A A     No
[Redacted] [Redacted] [Redacted] 144 28556300     Compliance Compliance Federal Compliance TILA TILA HELOC - Billing Rights Disclosure Missing  Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower.           09/15/2022     1 C A C A C A C A C A   NJ Primary Refinance - Cash-out - Other   C B A A C B A A     No
[Redacted] [Redacted] [Redacted] 144 28556301     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   NJ Primary Refinance - Cash-out - Other   C B A A C B A A     No
[Redacted] [Redacted] [Redacted] 146 28556326     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Approval not provided           Reviewer Comment (2022-09-19): Lender approval provided.


Seller Comment (2022-09-16): UW approval
 09/19/2022     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 149 28556368     Compliance Compliance Federal Compliance TILA TILA HELOC - Billing Rights Disclosure Missing  Unable to test billing rights due to missing information. Billing Rights Disclosure is not signed by the borrower.       Reviewer Comment (2022-09-20): Signed agreement provided.


Seller Comment (2022-09-19): Billing rights is part of the Home Equity Line of Credit Agreement.  See document attached, last page.
 09/20/2022     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A A A C A A A     No
[Redacted] [Redacted] [Redacted] 152 28556396     Compliance Compliance Federal Compliance RESPA RESPA Disclosure - List of Homeownership Counseling Organizations Missing RESPA Disclosure Rule (Dodd-Frank [redacted] ): Creditor did not provide List of Homeownership Counseling Organizations to borrower.                 2 B B B B B B B B B B   GA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 168 28556532     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   AZ Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 168 28556533     Compliance Compliance Federal Compliance RESPA RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.                 2 B B B B B B B B B B   AZ Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 169 28556546     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   AZ Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 169 28556550     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing. -           10/23/2022     1 C A C A C A C A C A   AZ Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 170 28556555     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Approval not provided           Reviewer Comment (2022-10-23): Lender approval provided.


Seller Comment (2022-10-21): We do not have 1008 or Underwriting approvals. attached are the income worksheets we use.


Seller Comment (2022-10-21): We do not have [redacted] or Underwriting approvals. attached are the income worksheets we use.
 10/23/2022     1 C A C A C A C A C A   AZ Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 172 28556563     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 172 28556568     Credit Income / Employment Income Documentation Income / Employment Income documentation requirements not met.             10/23/2022     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 172 28556569     Credit Income / Employment Income Documentation Income / Employment The verification of employment is required and was not found in file. -           10/23/2022     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 173 28556582     Compliance Compliance Federal Compliance RESPA RESPA Disclosure -  List of Homeownership Counseling Organizations Older Than 30 days When Provided to Borrower RESPA Disclosure Rule (Dodd-Frank [redacted] ): List of Homeownership Counseling Organizations was older than [redacted] days when provided to borrower.                 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 174 28556614     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. Rate lock not provided       Reviewer Comment (2022-10-23): Documentation of rate lock provided.


Seller Comment (2022-10-21): Compliance report attached


Seller Comment (2022-10-21): HPLM and QM Testing do not apply to HELOC loans, however it can be found on the attached compliance document
 10/23/2022     1 B A B A B A B A B A   CA Primary Refinance - Cash-out - Other   B A A A B A A A     No
[Redacted] [Redacted] [Redacted] 177 28556631     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 177 28556632     Credit Income / Employment Income Documentation Income / Employment The verification of employment is required and was not found in file. -           10/21/2022     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 180 28556664     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Approval not provided             10/23/2022     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 180 28556665     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 180 28556666     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: -           10/23/2022     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 180 28556667     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.             10/23/2022     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 183 28556688     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 184 28556695     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Approval not provided   Missing lender's approval.       Reviewer Comment (2022-10-20): Lender approval worksheet provided.


Seller Comment (2022-10-20): A copy of the UW Income / Approval Worksheet was uploaded for review
 10/20/2022     1 C A C A C A C A C A   CO Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 184 28556697     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided   No [redacted]/Loan underwriting summary in file.       Reviewer Comment (2022-10-20): Lender approval worksheet provided.


Seller Comment (2022-10-20): A copy of the UW Income / Approval Worksheet was uploaded for review. This is a combined approval/1008. AUS and 1008 Transmittal summaries are not used for secondary loans with [redacted]
 10/20/2022     1 C A C A C A C A C A   CO Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 187 28556719     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank [redacted] ): Creditor did not provide a copy of each valuation to applicant three [redacted] business days prior to consummation.                 2 B B B B B B B B B B   FL Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 187 28556726     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: ___                 
Disaster End Date: ___
Disaster Name: ___
Disaster Declaration Date: ___		   Property inspected post disaster but pre-FEMA declaration of disaster end date. Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [redacted] SitusAMC Reviewer Comment (2025-04-09): Valuation provided was completed after the disaster declaration date and reflects no damage.


Reviewer Comment (2025-04-09): Re-open to clear


Reviewer Comment (2023-01-25): Inspection provided dated [redacted]
 04/09/2025     1   A   A   A   A   A   FL Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 188 28556739     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.   The property is in [redacted] County, [redacted].  A disaster was declared on [redacted] and a disaster end date is not set.  Once the end date is set, provide a post-disaster inspection verifying there was no damage from [redacted]. Property inspected post disaster but pre-FEMA declaration of disaster end date. Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [redacted] SitusAMC Reviewer Comment (2025-04-09): Valuation provided was completed after the disaster declaration date and reflects no damage.


Reviewer Comment (2025-04-09): Re-open to clear


Reviewer Comment (2022-10-23): Property inspected post disaster but pre-FEMA declaration of disaster end date.
 04/09/2025     1 C A C A C A B A C A   FL Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 189 28556761     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.   Disaster Name: [redacted]
Disaster Declaration Date: [redacted]		 Property inspected post disaster but pre-FEMA declaration of disaster end date. Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [redacted] SitusAMC Reviewer Comment (2025-04-09): Valuation provided was completed after the disaster declaration date and reflects no damage.


Reviewer Comment (2025-04-09): Re-open to clear


Reviewer Comment (2022-10-23): Property inspected post disaster but pre-FEMA declaration of disaster end date.
 04/09/2025     1 C A C A C A B A C A   FL Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 191 28556782     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   GA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 192 28556790     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   GA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 197 28556844     Compliance Compliance State Compliance Misc. State Level Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) [redacted] Consumer Sales Practices Act:  Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit.                 2 B B B B B B B B B B   OH Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 200 28556862     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   UT Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 201 28556864     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Approval not provided   Loan Approval is not in the file.       Reviewer Comment (2022-10-21): Lender approval provided.


Seller Comment (2022-10-19): A copy of the UW Income / Approval Worksheet was uploaded for review.
 10/21/2022     1 C A C A C A C A C A   VA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 201 28556868     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline AUS Findings: All conditions were not met   Missing approval.       Reviewer Comment (2022-10-21): Lender approval provided.


Seller Comment (2022-10-19): AUS Findings are not run for an approval. A copy of the UW Approval Worksheet was uploaded to the duplicate exception. Please rescind.
 10/21/2022     1 C A C A C A C A C A   VA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 205 28556988     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 206 28556992     Compliance Compliance State Compliance Misc. State Level Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) [redacted] Consumer Sales Practices Act:  Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit.                 2 B B B B B B B B B B   OH Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 207 28556997     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Approval not provided           Reviewer Comment (2022-10-23): Lender approval provided.


Seller Comment (2022-10-21): Income worksheet
 10/23/2022     1 C A C A C A C A C A   NV Primary Refinance - Cash-out - Other   D A D A A A D A     No
[Redacted] [Redacted] [Redacted] 207 28556998     Credit Property - Appraisal Appraisal Documentation Property - Appraisal Missing Document: Appraisal not provided   No valuation product provided.       Reviewer Comment (2022-10-23): Hybrid appraisal provided.


Seller Comment (2022-10-21): Driveby appraisal attached
 10/23/2022     1 D A D A D A D A D A   NV Primary Refinance - Cash-out - Other   D A D A A A D A     No
[Redacted] [Redacted] [Redacted] 207 28557004     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Appraisal and secondary  valuation are missing.; Sec [redacted]   No valuation products provided.       Reviewer Comment (2022-10-23): Hybrid appraisal provided.
 10/23/2022     1 D A D A D A C A D A   NV Primary Refinance - Cash-out - Other   D A D A A A D A     No
[Redacted] [Redacted] [Redacted] 210 28557013     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   AZ Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 211 28557020     Compliance Loan Package Documentation Application / Processing Missing, Incorrect, or Incomplete Final or Initial 1003 Missing Document: Missing Lender's Initial 1003                   2 B B B B B B B B B B   MI Primary Refinance - Cash-out - Debt Consolidation   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 212 28557029     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Approval not provided           Reviewer Comment (2022-10-23): Lender approval provided.


Seller Comment (2022-10-21): A copy of the UW Worksheet Approval has been uploaded for review.
 10/23/2022     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 213 28557033     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   LA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 215 28557042     Compliance Compliance Federal Compliance TILA TILA HELOC - HELOC Brochure Not Provided Timely Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower at application. HELOC Brochure not provide in file.       Reviewer Comment (2022-10-23): Delivery of brochure documented.


Seller Comment (2022-10-20): Uploaded HELOC Brochure for review
 10/23/2022     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A A A C A A A     No
[Redacted] [Redacted] [Redacted] 216 28557045     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   AZ Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 217 28557051     Compliance Compliance State Compliance Misc. State Level Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) [redacted] Consumer Sales Practices Act:  Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit.                 2 B B B B B B B B B B   OH Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 223 28557097     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 224 28557099     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   GA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 226 28557135     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.     Property inspected post disaster but pre-FEMA declaration of disaster end date. Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [redacted] SitusAMC Reviewer Comment (2025-04-09): Valuation provided was completed after the disaster declaration date and reflects no damage.


Reviewer Comment (2025-04-09): Re-open to clear


Reviewer Comment (2022-10-23): Property inspected post disaster but pre-FEMA declaration of disaster end date.
 04/09/2025     1 C A C A C A B A C A   FL Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 228 28557166     Compliance Loan Package Documentation Closing / Title Missing, Incorrect, or Incomplete HUD-1 Missing Final HUD-1   Missing Final Alt A Closing statement/HUD1       Reviewer Comment (2022-10-23): Provided.


Seller Comment (2022-10-19): HELOC Settlement Statement Attached
 10/23/2022     1 D A D A D A D A D A   DE Primary Refinance - Cash-out - Other   D A A A D A A A     No
[Redacted] [Redacted] [Redacted] 233 28557199     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 237 28557213     Credit Loan Package Documentation Closing / Title Missing Document  Missing Document: Rider - Other not provided   [redacted] acknowledgment of borrower rights.       Reviewer Comment (2022-10-23): Provided.


Seller Comment (2022-10-21): Document is uploaded with the Mortgage
 10/23/2022     1 C A C A C A C A C A   GA Primary Refinance - Cash-out - Other   C A C A B A A A     No
[Redacted] [Redacted] [Redacted] 237 28557217     Credit Income / Employment Income Documentation Income / Employment The verification of employment is required and was not found in file. -         Reviewer Comment (2022-10-23): Provided.


Seller Comment (2022-10-21): VVOE
 10/23/2022     1 C A C A C A C A C A   GA Primary Refinance - Cash-out - Other   C A C A B A A A     No
[Redacted] [Redacted] [Redacted] 237 28557218     Credit Income / Employment Income Documentation Income / Employment Verification(s) of employment is not within [redacted] business days of the Note. -         Reviewer Comment (2022-10-23): Provided.


Seller Comment (2022-10-21): VVOE
 10/23/2022     1 C A C A C A C A C A   GA Primary Refinance - Cash-out - Other   C A C A B A A A     No
[Redacted] [Redacted] [Redacted] 237 28557219     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. Rate Lock date is missing in all documents.       Reviewer Comment (2022-10-23): Provided.


Seller Comment (2022-10-21): Please see attached compliance report
 10/23/2022     1 B A B A B A B A B A   GA Primary Refinance - Cash-out - Other   C A C A B A A A     No
[Redacted] [Redacted] [Redacted] 238 28557224     Compliance Compliance Federal Compliance Missing Disclosure Notice of Special Flood Hazard Disclosure Not Provided Timely [redacted] Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing.                 2 B B B B B B B B B B   OR Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 249 28557415     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank [redacted] ): Creditor did not provide a copy of each valuation to applicant [redacted) business days prior to consummation.                 2 B B B B B B B B B B   OK Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 249 28557417     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   OK Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 251 28557430     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   TX Primary Refinance - Cash-out - Other   D B A A D B A A     No
[Redacted] [Redacted] [Redacted] 251 28557431     Compliance Compliance State Compliance State Defect (TX50(a)(6)) Texas Cash-out Loan  (Acknowledgment of Fair Market Value Disclosure Not Properly Executed by all persons vested on title) [redacted] Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not properly executed.           11/03/2022     1 C A C A C A C A C A   TX Primary Refinance - Cash-out - Other To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents and obtain an executed copy; OR, (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.  Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. D B A A D B A A     Yes
[Redacted] [Redacted] [Redacted] 251 28557432     Compliance Compliance State Compliance State Defect (TX50(a)(6)) Texas Cash-out Loan  (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender) [redacted] Constitution Section [redacted] (a)([redacted]): Acknowledgment of the Fair Market Value not properly executed by the Lender.           11/03/2022     1 C A C A C A C A D A   TX Primary Refinance - Cash-out - Other To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents, (AFMV signed by the lender), and obtain an executed copy; OR (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. D B A A D B A A     Yes
[Redacted] [Redacted] [Redacted] 251 28557433     Compliance Compliance State Compliance State Defect (TX50(a)(6)) Texas Cash-out Loan  (Points and Fees Exceeds 2% of Original Principal Balance) [redacted]Constitution Section [redacted] (a)([redacted]): Points and fees on subject loan of [redacted] is in excess of the allowable maximum of [redacted] of the Original Line Limit. Points and Fees total [redacted] on an Original Line Limit of [redacted] vs. an allowable total of [redacted](an overage of [redacted]or [redacted].)             11/11/2022   2 C B C B C B C B C B   TX Primary Refinance - Cash-out - Other Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) D B A A D B A A     Yes
[Redacted] [Redacted] [Redacted] 251 28557434     Compliance Compliance State Compliance State Defect (TX50(t)(5)) (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal). No appraisal or valuation value used to determine LTV.  Unable to determine compliance with [redacted](t)([redacted]) CLTV limitation due to missing appraisal or other evaluation to verify property value/LTV                 2 B B B B B B B B B B   TX Primary Refinance - Cash-out - Other Send the borrower a written acknowledgement that the lien is valid only in the amount that the extension of credit does not exceed the CLTV of 80%. D B A A D B A A     Yes
[Redacted] [Redacted] [Redacted] 254 28557471     Compliance Compliance Federal Compliance Missing Disclosure Notice of Special Flood Hazard Disclosure Not Provided Timely [redacted] Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing.                 2 B B B B B B B B B B   OR Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 259 28557492     Compliance Compliance Federal Compliance TILA HELOC Fees Used For Testing Truth in Lending Act (HELOC): Fees disclosed on Line of Credit Closing Statement exceed those disclosed in HELOC Agreement. Fees from the Line of Credit Closing Statement are used in any federal, state, and local high cost testing.                 2 B B B B B B B B B B   UT Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 261 28557507     Compliance Compliance State Compliance Misc. State Level Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) [redacted]Consumer Sales Practices Act:  Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit.                 2 B B B B B B B B B B   OH Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 261 28557508     Compliance Compliance State Compliance Misc. State Level Ohio Consumer Sales Practices Act (Right Not To Close Disclosure Not Provided) [redacted]Consumer Sales Practices Act: Borrower not provided Right Not To Close Disclosure.                 2 B B B B B B B B B B   OH Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 262 28557511     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - ___ Document W-2 for [redacted]is missing       Reviewer Comment (2022-11-02): Lender justification provided.


Seller Comment (2022-11-01): The borrowers [redacted]and [redacted][redacted]business returns support that the borrower is [redacted]% owner and per [redacted]-E the borrower received W2 Compensation to Officer pay. This was used on the UW Income Worksheet correctly and W2's are not required.
 11/02/2022     1 C A C A C A C A C A   FL Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 262 28557513     Credit Income / Employment Income Documentation Income / Employment Income documentation requirements not met.   Income documentation requirements not met W-2 Missing       Reviewer Comment (2022-11-02): Lender justification provided.


Seller Comment (2022-11-01): The borrowers [redacted]and [redacted][redacted]business returns support that the borrower is [redacted]% owner and per [redacted] the borrower received W2 Compensation to Officer pay. This was used on the UW Income Worksheet correctly and W2's are not required.
 11/02/2022     1 C A C A C A C A C A   FL Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 263 28557519     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - ___ Overtime and Bonus Income was used to qualify based on a WVOE.  Document not provided.       Reviewer Comment (2022-11-02): Provided.


Seller Comment (2022-11-01): A copy of the VOI has been uploaded for review.
 11/02/2022     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 263 28557520     Credit Income / Employment Income Documentation Income / Employment Income documentation requirements not met.   WVOE not provided for breakdown of overtime and bonus.       Reviewer Comment (2022-11-02): Provided.


Seller Comment (2022-11-01): A copy of the VOI has been uploaded for review.
 11/02/2022     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 265 28557539     Credit Loan Package Documentation Closing / Title Loan Package Documentation Missing Lien(s) negatively impacting title   There are[redacted] first liens reflected on title.  [redacted]dated [redacted]was used in the CLTV; however, the other lien shown for [redacted]dated [redacted] is not on the credit report nor was a credit supplement located.  Documentation was not located to reflect the first lien for [redacted]as being paid off.       Reviewer Comment (2022-11-10): Received final CD supporting the [redacted] was paid off with the refinance of the new mortgage listed on title dated [redacted], hence exception cleared.


Seller Comment (2022-11-09): Attached are the final CD and Note to support the [redacted] was paid off with the refinance of the new mortgage listed on title dated [redacted]
 11/10/2022     1 C A C A C A C A C A   WA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 266 28557544     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 267 28557589     Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Note - Senior Lien not provided   Missing documentation to verify senior lien meets guidelines.       Reviewer Comment (2022-11-03): Statement provided.


Seller Comment (2022-11-02): A copy of the [redacted] lien mortgage statement has been uploaded for review and supports both taxes and HOI are escrowed.
 11/03/2022     1 D A D A D A D A D A   CA Primary Refinance - Cash-out - Other   D A D A A A A A     No
[Redacted] [Redacted] [Redacted] 269 28557597     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 270 28557604     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   WI Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 276 28557645     Compliance Compliance State Compliance Misc. State Level Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) [redacted] Consumer Sales Practices Act:  Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit.                 2 B B B B B B B B B B   OH Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 279 28557714     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 282 28557765     Compliance Compliance Federal Compliance TILA HELOC Fees Used For Testing Truth in Lending Act (HELOC): Fees disclosed on Line of Credit Closing Statement exceed those disclosed in HELOC Agreement. Fees from the Line of Credit Closing Statement are used in any federal, state, and local high cost testing.                 2 B B B B B B B B B B   NV Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 285 28557845     Compliance Compliance Federal Compliance TILA HELOC Fees Used For Testing Truth in Lending Act (HELOC): Fees disclosed on Line of Credit Closing Statement exceed those disclosed in HELOC Agreement. Fees from the Line of Credit Closing Statement are used in any federal, state, and local high cost testing.                 2 B B B B B B B B B B   WI Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 287 28557886     Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Note - Senior Lien not provided             11/10/2022     1 D A D A D A D A D A   CA Primary Refinance - Cash-out - Other   D B D A B B A A     No
[Redacted] [Redacted] [Redacted] 287 28557888     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   D B D A B B A A     No
[Redacted] [Redacted] [Redacted] 288 28557889     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on [redacted], prior to three [redacted] business days from transaction date of [redacted]           11/11/2022     1 C A C A C A C A C A   OH Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B A A C B A A     Yes
[Redacted] [Redacted] [Redacted] 288 28557890     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act:  Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           11/11/2022     1 C A C A C A C A C A   OH Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B A A C B A A     Yes
[Redacted] [Redacted] [Redacted] 288 28557893     Compliance Compliance Federal Compliance TILA TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.           11/11/2022     1 C A C A C A C A C A   OH Primary Refinance - Cash-out - Other   C B A A C B A A     No
[Redacted] [Redacted] [Redacted] 288 28557894     Compliance Compliance State Compliance Misc. State Level Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) [redacted]Consumer Sales Practices Act:  Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit.                 2 B B B B B B B B B B   OH Primary Refinance - Cash-out - Other   C B A A C B A A     No
[Redacted] [Redacted] [Redacted] 289 28557908     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   AZ Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 290 28557931     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - ___         Reviewer Comment (2022-11-04): Transcripts not required for this income type.


Seller Comment (2022-11-04): A copy of the borrowers VOI documenting the previous [redacted]+ years income has been uploaded for review. Borrower was qualified using only W2 wage earner income, tax return income was not used and transcripts are not required. [redacted] guidelines are in the process of updates related to transcript requirements.
 11/04/2022     1 C A C A C A C A C A   AZ Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 295 28558048     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Tax Certificate not provided             11/10/2022     1 C A C A C A C A C A   OR Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 297 28558096     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - ___         Reviewer Comment (2022-11-04): Transcripts not required for this income type.


Seller Comment (2022-11-04): Retail Broker Loan- The Broker information screen in [redacted] [redacted] shows [redacted]. / The borrower is not self-employed


Seller Comment (2022-11-04): Borrower was qualified using only W2 wage earner income, tax return income was not used and transcripts are not required. [redacted] guidelines are in the process of updates related to transcript requirements.
 11/04/2022     1 C A C A C A C A C A   FL Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 300 28558145     Compliance Compliance Federal Compliance RESPA RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application RESPA Disclosure Rule [redacted]: List of Homeownership Counseling Organizations not provided to applicant within three [redacted]) business days of application.                 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 304 28560850     Credit Income / Employment Income Documentation Income / Employment Verification(s) of employment is not within[redacted]business days of the Note. - Third party verification provided validating, Verification(s) of employment is not within [redacted] business days of the Note.       Reviewer Comment (2022-12-06): Received VVOE in trailing docs.


Seller Comment (2022-12-05): Please see attached VVOE screenshots for both borrowers completed within [redacted] days of note date for review.
 12/06/2022     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 304 28560851     Credit Income / Employment Income Documentation Income / Employment Verification(s) of employment is not within [redacted] business days of the Note. - Third party verification provided validating, Verification(s) of employment is not within [redacted] business days of the Note.       Reviewer Comment (2022-12-06): Received VVOE in trailing docs.


Seller Comment (2022-12-05): Please see attached VVOE screenshots for both borrowers completed within [redacted] days of note date for review.
 12/06/2022     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 305 28561170     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.   Post Disaster Inspection is required       Reviewer Comment (2022-11-28): Inspection dated [redacted] shows no damage.


Seller Comment (2022-11-28): Post Disaster Inspection uploaded for review
 11/28/2022     1 C A C A C A C A C A   FL Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 309 28561352     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Approval not provided             12/12/2022     1 C A C A C A C A C A   GA Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 309 28561356     Compliance Compliance Federal Compliance RESPA RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.                 2 B B B B B B B B B B   GA Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 317 28561607     Credit Credit Miscellaneous Guideline Credit Exception:   The LDP/SAM list in the Fraud Report is missing searches for the title company/agent and the insurance company/agent as required for all material parties.       Reviewer Comment (2022-12-12): LDP list provided, hazard insurance company not required.


Seller Comment (2022-12-06): Per published lender guidelines, insurance company/agents are not required.  Please see attached HUD LDP List and SAM Searches for Title company and Agent for review.
 12/12/2022     1 C A C A C A C A C A   NH Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 319 28564264     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Approval not provided           Reviewer Comment (2022-12-13): After review of trailing documents exception cleared.


Seller Comment (2022-12-07): Underwriting worksheet
 12/13/2022     1 C A C A C A C A C A   IL Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 320 28564285     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Approval not provided             12/29/2022     1 C A C A C A C A C A   GA Primary Refinance - Cash-out - Other   C B C B B B A A     No
[Redacted] [Redacted] [Redacted] 320 28564289     Credit Credit Credit Eligibility Guideline Public Record Issue: -                 2 B B B B B B B B B B   GA Primary Refinance - Cash-out - Other   C B C B B B A A     No
[Redacted] [Redacted] [Redacted] 320 28564290     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank [redacted] ): Creditor did not provide a copy of each valuation to applicant [redacted]business days prior to consummation.                 2 B B B B B B B B B B   GA Primary Refinance - Cash-out - Other   C B C B B B A A     No
[Redacted] [Redacted] [Redacted] 320 28564291     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely ECOA Valuations Rule (Dodd-Frank [redacted] ): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within [redacted] business days of application or determination of first lien status.                 2 B B B B B B B B B B   GA Primary Refinance - Cash-out - Other   C B C B B B A A     No
[Redacted] [Redacted] [Redacted] 320 28564292     Compliance Compliance Federal Compliance RESPA RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within [redacted] business days of application.                 2 B B B B B B B B B B   GA Primary Refinance - Cash-out - Other   C B C B B B A A     No
[Redacted] [Redacted] [Redacted] 322 28564408     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   NE Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 328 28921382     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.                 2 B B B B B B B B B B   FL Primary Refinance - Cash-out - Other   C B C B A A A A     No
[Redacted] [Redacted] [Redacted] 328 28921383     Credit Credit Credit Documentation Guideline Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided   A [redacted] month history is required per guidelines. The credit report only shows [redacted] months with no previous mortgage dated prior to the [redacted] loan. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.

Borrower has been employed in the same industry for more than [redacted] years.

Borrower has owned the subject property for at least [redacted] years.

Borrower has verified disposable income of at least [redacted].

Borrower has worked in the same position for more than [redacted] years.		 [redacted]% DTI SitusAMC,Aggregator

SitusAMC

SitusAMC

SitusAMC

SitusAMC		 Reviewer Comment (2022-12-14): Client acknowledged based on the borrower's employment history and DTI.
     12/14/2022 2 C B C B C B C B C B   FL Primary Refinance - Cash-out - Other   C B C B A A A A     No
[Redacted] [Redacted] [Redacted] 329 28921360     Compliance Compliance Federal Compliance GSE Fannie Mae [redacted]% Points and Fees Fannie Mae [redacted] [redacted]% Points and Fees Test.  Points and Fees on subject loan of  [redacted]% is in excess of the investor allowable maximum of the greater of [redacted]% of the Federal Total Loan Amount and [redacted]). Points and Fees total $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an investor allowable total of $[redacted] and $[redacted] (an overage of $[redacted] or [redacted]%). Points and Fees on subject loan of [redacted]% is in excess of the investor allowable maximum of the greater of [redacted]% of the Federal Total Loan Amount and $[redacted] ([redacted]). Points and Fees total $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an investor allowable total of $[redacted] and $[redacted] ([redacted]) (an overage of $[redacted] or [redacted]%).               2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B B B B B B B B     Yes
[Redacted] [Redacted] [Redacted] 329 28921362     Credit Title Document Error Title The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.   This is due to this being a prelim report. Final coverage will be on final title policy.               2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B B B B B     No
[Redacted] [Redacted] [Redacted] 329 28921364     Property Property - Appraisal Appraisal Reconciliation Property - Appraisal Appraisal is required to be in name of Lender - Missing appraisal transfer letter               2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B B B B B     No
[Redacted] [Redacted] [Redacted] 330 28921393     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - ___ Missing valid third party verification of the business       Reviewer Comment (2022-11-11): Borrower is less than [redacted]% owner of this company. Paystubs and K1s were provided


Seller Comment (2022-11-10): Comment from [redacted] ([redacted]): [redacted]  Borrower is less then [redacted]% owner of [redacted][redacted]therefor distributions were used which is other income Paytstub W2 income was not used. When the borrower has < [redacted]% ownership in a business, they can qualify with ordinary business income using K-1s and [redacted]to qualify, the income type is  "other income", and therefore a VOB/VVOE is not required.  Additionally attached is fannie maes guideline showing this. Please rescind


Reviewer Comment (2022-11-01): Exception is for Co-borrowers verification with [redacted]


Seller Comment (2022-10-31): Comment from [redacted] : [redacted]/[redacted]: Borrower is a [redacted]employee not only do we have  attached third party verification of business attestation form that was completed additionally we also completed a Verbal verification of employment as this is more then acceptable for [redacted]contract employees please rescind.
 11/11/2022     1 C A C A C A C A C A   NV Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 331 28921385     Compliance Compliance Federal Compliance TILA TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.         Reviewer Comment (2023-01-18): Received acknowledgement of receipt of the HELOC brochure.
 01/18/2023     1 C A C A C A C A C A   ME Second Home Refinance - Cash-out - Other   C A A A C A A A     No
[Redacted] [Redacted] [Redacted] 332 28921367     Compliance Legal / Regulatory / Compliance Anti-Predatory Violation Federal Defect (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold) HOEPA notice to assignee was not provided in the loan file.       Reviewer Comment (2022-11-03): Received the invoice from the credit report and appraisal fee showing they were paid to a third party.
 11/03/2022     1 C A C A C A C A C A   ME Primary Refinance - Cash-out - Other   C A A A C A A A     No
[Redacted] [Redacted] [Redacted] 332 28921368     Compliance Legal / Regulatory / Compliance Anti-Predatory Violation Federal Defect (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) Truth in Lending Act (HOEPA):  HOEPA disclosure was not provided to the Borrower The TIL HOEPA was not provided to the borrower.       Reviewer Comment (2022-11-03): Received the invoice from the credit report and appraisal fee showing they were paid to a third party.
 11/03/2022     1 C A C A C A C A C A   ME Primary Refinance - Cash-out - Other   C A A A C A A A     No
[Redacted] [Redacted] [Redacted] 332 28921369     Compliance Legal / Regulatory / Compliance Anti-Predatory Violation Federal Defect (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees.         Reviewer Comment (2022-11-03): Received the invoice from the credit report and appraisal fee showing they were paid to a third party.
 11/03/2022     1 C A C A C A C A C A   ME Primary Refinance - Cash-out - Other   C A A A C A A A     No
[Redacted] [Redacted] [Redacted] 332 28921370     Compliance Legal / Regulatory / Compliance Anti-Predatory Violation Federal Defect (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of [redacted]% of the amount past due or grace period of less than [redacted] days. The late charge fee of[redacted]% exceeds max allowable of[redacted]%.       Reviewer Comment (2022-11-03): Received the invoice from the credit report and appraisal fee showing they were paid to a third party.
 11/03/2022     1 C A C A C A C A C A   ME Primary Refinance - Cash-out - Other   C A A A C A A A     No
[Redacted] [Redacted] [Redacted] 332 28921371     Compliance Compliance Federal Compliance Federal Defect (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of [redacted]% is in excess of the allowable maximum of  [redacted]% of the Federal Total Loan Amount. Points and Fees of $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an allowable total of $[redacted] (an overage of $[redacted] or [redacted]%).  Non-Compliant High Cost Loan. Points and fees in the amount of [redacted]exceeds allowable amount of $[redacted].       Reviewer Comment (2022-11-03): Received the invoice from the credit report and appraisal fee showing they were paid to a third party.
 11/03/2022     1 C A C A C A C A C A   ME Primary Refinance - Cash-out - Other (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C A A A C A A A     Yes
[Redacted] [Redacted] [Redacted] 332 28921372     Compliance Legal / Regulatory / Compliance Anti-Predatory Violation Federal Defect (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. The pre loan counseling cert was not located in the loan file.       Reviewer Comment (2022-11-03): Received the invoice from the credit report and appraisal fee showing they were paid to a third party.
 11/03/2022     1 C A C A C A C A C A   ME Primary Refinance - Cash-out - Other   C A A A C A A A     No
[Redacted] [Redacted] [Redacted] 332 28921373     Compliance Compliance Federal Compliance GSE Fannie Mae[redacted]% Points and Fees Fannie Mae [redacted] [redacted]% Points and Fees Test.  Points and Fees on subject loan of [redacted]% is in excess of the investor allowable maximum of  [redacted]% of the Federal Total Loan Amount. Points and Fees total $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an investor allowable total of $[redacted] (an overage of $[redacted] or [redacted]%). The points and fees of [redacted] exceeds maximum allowable of[redacted]%.       Reviewer Comment (2022-11-03): Received the invoice from the credit report and appraisal fee showing they were pReceived the invoice from the credit report and appraisal fee showing they were paid to a third party. aid to a third party.
 11/03/2022     1 B A B A B A B A B A   ME Primary Refinance - Cash-out - Other LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C A A A C A A A     Yes
[Redacted] [Redacted] [Redacted] 332 28921374     Compliance Compliance State Compliance State Defect (State High Cost Provision) Maine High-Cost (Impermissible Financing of Points and Fees) [redacted]High-Cost Loan: Impermissible financing of points and fees on high-cost mortgage loan. Impermissible financing of points and fees on ta high cost mortgage loan.       Reviewer Comment (2022-11-03): Received the invoice from the credit report and appraisal fee showing they were paid to a third party.
 11/03/2022     1 C A C A C A C A C A   ME Primary Refinance - Cash-out - Other See any available cure under the Maine High Rate, High Fee Mortgage Loan threshold exception. C A A A C A A A     No
[Redacted] [Redacted] [Redacted] 332 28921375     Compliance Compliance State Compliance State Defect (State High Cost) Maine High-Cost Loan (HOEPA Threshold Tests) [redacted](Regulation Z-[redacted] [redacted] ): Mortgage loan is HOEPA high-cost due to failing applicable APR, Points & Fees and/or Prepayment Penalty threshold tests. The loan is a high cost loan due to failing applicable APR, Points and fees.       Reviewer Comment (2022-11-03): Received the invoice from the credit report and appraisal fee showing they were paid to a third party.
 11/03/2022     1 C A C A C A C A C A   ME Primary Refinance - Cash-out - Other   C A A A C A A A     No
[Redacted] [Redacted] [Redacted] 332 28921376     Compliance Compliance State Compliance State HPML [redacted] HPML Threshold [redacted] Test Compliant [redacted]Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is in excess of allowable threshold of APOR [redacted]% + [redacted]%, or [redacted]%, or subject loan is a high-cost mortgage loan, contains negative amortization, or has an interest-only feature.   Compliant Higher Priced Loan. The loan is a compliant higher priced mortgage loan.  The APR of[redacted]% is in excess of the allowable threshold.       Reviewer Comment (2022-11-03): Received the invoice from the credit report and appraisal fee showing they were paid to a third party.
 11/03/2022     1 B A B A B A B A B A   ME Primary Refinance - Cash-out - Other Within 30 days of closing and prior to receiving any notice, notify borrower, make appropriate restitution and adjustments.

(Limited Use Bona Fide Errors - Compliance and Client Approval Required)  Within 60 days of closing, provide:
(1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) Letter of Explanation to borrower; (5) refund of amount over the higher-priced threshold maximum; and (6) proof of mailing (must be in transit with courier).  Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place.		 C A A A C A A A     Yes
[Redacted] [Redacted] [Redacted] 332 28921377     Compliance Compliance State Compliance State Defect [redacted] HRHF Counseling Test [redacted] High Rate, High Fee Loan: No evidence borrower received home-ownership counseling. The [redacted] home ownership counseling was not provided to the borrower on a high cost loan.       Reviewer Comment (2022-11-03): Received the invoice from the credit report and appraisal fee showing they were paid to a third party.
 11/03/2022     1 C A C A C A C A C A   ME Primary Refinance - Cash-out - Other See any available cure under the Maine High Rate, High Fee Mortgage Loan threshold exception. C A A A C A A A     No
[Redacted] [Redacted] [Redacted] 332 28921378     Compliance Compliance State Compliance State Defect [redacted] Federal Points and Fees Threshold Test [redacted] [redacted] Truth in Lending Act: Points and Fees on subject loan of [redacted]% is in excess of the allowable maximum of  [redacted]% of the Federal Total Loan Amount. Points and Fees of $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an allowable total of $[redacted] (an overage of $[redacted] or [redacted]%).  Non-Compliant High Cost Loan. Main points and fees in the amount of $[redacted] exceeds allowable amount of [redacted].       Reviewer Comment (2022-11-03): Received the invoice from the credit report and appraisal fee showing they were paid to a third party.
 11/03/2022     1 C A C A C A C A C A   ME Primary Refinance - Cash-out - Other   C A A A C A A A     No
[Redacted] [Redacted] [Redacted] 332 28921379     Compliance Legal / Regulatory / Compliance Anti-Predatory Violation State Defect [redacted] HRHF HOEPA Compliance Test [redacted] Regulation Z-[redacted] [redacted]): HOEPA loan not compliant. Refer to HOEPA failure stipulations for specific details.         Reviewer Comment (2022-11-03): Received the invoice from the credit report and appraisal fee showing they were paid to a third party.
 11/03/2022     1 C A C A C A C A C A   ME Primary Refinance - Cash-out - Other   C A A A C A A A     No
[Redacted] [Redacted] [Redacted] 332 28921380     Compliance Compliance State Compliance State Defect [redacted] HRHF [redacted] Points and Fees Threshold Testing [redacted] Truth in Lending Act: Points and Fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]% of the Total Loan Amount. Points and Fees total $[redacted] on a Total Loan Amount of $[redacted] vs. an allowable total of $[redacted] (an overage of $[redacted] or [redacted]%).  Non-Compliant High Cost Loan.         Reviewer Comment (2022-11-03): Received the invoice from the credit report and appraisal fee showing they were paid to a third party.
 11/03/2022     1 C A C A C A C A C A   ME Primary Refinance - Cash-out - Other   C A A A C A A A     No
[Redacted] [Redacted] [Redacted] 333 28921406     Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Note - Senior Lien not provided           Reviewer Comment (2022-11-22): Received copy of the mortgage statement for the senior lien.
 11/22/2022     1 D A D A D A D A D A   VA Primary Refinance - Cash-out - Other   D A D A A A A A     No
[Redacted] [Redacted] [Redacted] 334 28921399     Credit Income Document Error Income The number of consecutive months receipt is unknown. -         Reviewer Comment (2022-11-01): Received bank statements verifying the number of months of receipt.


Seller Comment (2022-10-31): Comment from [redacted] ([redacted]): [redacted]:[redacted] Child Sup received twice a month. Over six months of receipt into the [redacted] [redacted] account have been provided and attached here.
 11/01/2022     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   D A D A A A A A     No
[Redacted] [Redacted] [Redacted] 334 28921400     Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Note - Senior Lien not provided           Reviewer Comment (2022-11-22): Received copy of the mortgage statement for the senior lien.
 11/22/2022     1 D A D A D A D A D A   CA Primary Refinance - Cash-out - Other   D A D A A A A A     No
[Redacted] [Redacted] [Redacted] 335 28921413     Credit Title Document Error Title The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.   Proposed insured amount was not provided.               2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B B B A A     No
[Redacted] [Redacted] [Redacted] 335 28921414     Compliance Compliance Federal Compliance GSE Fannie Mae 2014 - [redacted]% Points and Fees Fannie Mae 2014 [redacted]% Points and Fees Test.  Points and Fees on subject loan of [redacted]% is in excess of the investor allowable maximum of  [redacted]% of the Federal Total Loan Amount. Points and Fees total $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an investor allowable total of $[redacted] (an overage of $[redacted] or [redacted]%). Qualified Mortgage Points and Fees calculation includes Broker Compensation and Lender Underwriting Fee, exceeding tolerance threshold of [redacted]%  by $[redacted].               2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B B B B B B A A     Yes
[Redacted] [Redacted] [Redacted] 336 28921432     Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.           Reviewer Comment (2022-11-09): Received copy of the title policy with sufficient coverage.
 11/09/2022     1 A A A A A A A A A A   NV Primary Refinance - Cash-out - Other   B A B A A A A A     No
[Redacted] [Redacted] [Redacted] 336 28921433     Credit Title Document Error Title The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.   Proposed insured amount was not provided.       Reviewer Comment (2022-11-09): Received copy of the title policy with sufficient coverage.
 11/09/2022     1 B A B A B A B A B A   NV Primary Refinance - Cash-out - Other   B A B A A A A A     No
[Redacted] [Redacted] [Redacted] 337 28921438     Compliance Compliance Federal Compliance GSE Fannie Mae [redacted]% Points and Fees Fannie Mae [redacted] [redacted]% Points and Fees Test.  Points and Fees on subject loan of [redacted]% is in excess of the investor allowable maximum of the greater of [redacted]% of the Federal Total Loan Amount and [redacted]. Points and Fees total $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an investor allowable total of $[redacted] and $[redacted] (an overage of $[redacted] or [redacted]%). Points and Fees total $[redacted] with an allowable total of $[redacted] for an overage of $[redacted]               2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B B A A B B A A     Yes
[Redacted] [Redacted] [Redacted] 338 28921427     Credit Title Document Error Title The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.   Proposed insured amount was not provided.       Reviewer Comment (2022-11-15): Coverage amount was not disclosed.


Seller Comment (2022-11-15): Comment from [redacted]: [redacted]  See attachment
       2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A A A     No
[Redacted] [Redacted] [Redacted] 339 28921439     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.   Disaster Name: [redacted]
Disaster Declaration Date: [redacted]		       Reviewer Comment (2022-11-15): Received a post close disaster report showing no damage.
 11/15/2022     1 C A C A C A C A C A   FL Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 340 28921441     Compliance Compliance Federal Compliance GSE Fannie Mae [redacted] - [redacted]% Points and Fees Fannie Mae [redacted] [redacted]% Points and Fees Test.  Points and Fees on subject loan of [redacted]% is in excess of the investor allowable maximum of [redacted]% of the Federal Total Loan Amount. Points and Fees total $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an investor allowable total of $[redacted] (an overage of $[redacted] or .[redacted]%).                 2 B B B B B B B B B B   FL Primary Refinance - Cash-out - Other LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B B A A B B A A     Yes
[Redacted] [Redacted] [Redacted] 344 28921475     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.           Reviewer Comment (2022-11-17): Received a post close disaster report showing no damage,
 11/17/2022     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 344 28921476     Compliance Compliance Federal Compliance GSE Fannie Mae [redacted] - [redacted]% Points and Fees Fannie Mae [redacted] [redacted]% Points and Fees Test.  Points and Fees on subject loan of [redacted]% is in excess of the investor allowable maximum of the greater of [redacted]% of the Federal Total Loan Amount and [redacted]. Points and Fees total $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an investor allowable total of $[redacted] and $[redacted] (an overage of $[redacted] or [redacted]%).                 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B C A B B A A     Yes
[Redacted] [Redacted] [Redacted] 346 28921495     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.   Most Recent Valuation Inspection Date: [redacted]        
Disaster End Date: [redacted]
Disaster Name: [redacted]
Disaster Declaration Date: [redacted]		       Reviewer Comment (2022-11-17): Received a post close disaster report showing no damage.
 11/17/2022     1 C A C A C A C A C A   FL Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 347 28921499     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.   Disaster Name: [redacted]
Disaster Declaration Date:[redacted]
Disaster End Date:  [redacted]		       Reviewer Comment (2022-11-21): Received copy of the post disaster inspection showing no damage.
 11/21/2022     1 C A C A C A C A C A   FL Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 349 28921511     Compliance Compliance Federal Compliance GSE Fannie Mae [redacted] - [redacted]% Points and Fees Fannie Mae [redacted]  [redacted]% Points and Fees Test.  Points and Fees on subject loan of [redacted]% is in excess of the investor allowable maximum of the greater of [redacted]% of the Federal Total Loan Amount and $[redacted] ([redacted]). Points and Fees total $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an investor allowable total of $[redacted] and $[redacted] ([redacted]) (an overage of $[redacted] or [redacted]%). Points and Fees total $[redacted] with an investor allowable total of $[redacted] for an overage of $[redacted]               2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B B A A B B A A     Yes
[Redacted] [Redacted] [Redacted] 350 28921524     Property Property - Appraisal Appraisal Reconciliation Property - Appraisal Appraisal is required to be in name of Lender - Appraisal in the name of [redacted] - Wholesale               2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   C B C A C B B B     No
[Redacted] [Redacted] [Redacted] 350 28921525     Credit Hazard Insurance Insufficient Coverage Hazard Insurance The Hazard Insurance Policy effective date is after the funds disbursed.           Reviewer Comment (2022-11-17): Received the prior hazard dec page.


Seller Comment (2022-11-17): Comment from [redacted]: [redacted]: Please see the attached HOI policy effective prior to closing.
 11/17/2022     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C B C A C B B B     No
[Redacted] [Redacted] [Redacted] 350 28921526     Compliance Compliance Federal Compliance GSE Fannie Mae 2014 - [redacted]% Points and Fees Fannie Mae 2014 [redacted]% Points and Fees Test.  Points and Fees on subject loan of [redacted]% is in excess of the investor allowable maximum of  [redacted]% of the Federal Total Loan Amount. Points and Fees total $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an investor allowable total of $[redacted] (an overage of $[redacted] or [redacted]%).                 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B C A C B B B     Yes
[Redacted] [Redacted] [Redacted] 350 28921527     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on [redacted], prior to [redacted] business days from transaction date of [redacted].         Reviewer Comment (2022-11-18): Received verification the loan disbursed on [redacted].
 11/18/2022     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B C A C B B B     Yes
[Redacted] [Redacted] [Redacted] 352 28921534     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. The preliminary title report in file disclosed $[redacted] of title insurance coverage; however this is less than the loan amount of $[redacted].  Provide a copy of the final title policy or a supplemental title report verifying title insurance of at least the loan amount.       Reviewer Comment (2022-11-16): Coverage is $[redacted]; loan amount is $[redacted].


Seller Comment (2022-11-16): Comment from [redacted]  ([redacted]): [redacted] RF see attached please clear thank you
       2 B B B B B B B B B B   FL Primary Refinance - Cash-out - Other   B B B B A A A A     No
[Redacted] [Redacted] [Redacted] 353 28921537     Credit Title General Title Title Policy Coverage is less than Original Loan Amount.           Reviewer Comment (2022-11-21): Received copy of the title policy with sufficient coverage.
 11/21/2022     1 B A B A B A B A B A   CA Primary Refinance - Cash-out - Other   B A B A A A A A     No
[Redacted] [Redacted] [Redacted] 353 28921538     Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.           Reviewer Comment (2022-11-21): Received copy of the title policy with sufficient coverage.
 11/21/2022     1 A A A A A A A A A A   CA Primary Refinance - Cash-out - Other   B A B A A A A A     No
[Redacted] [Redacted] [Redacted] 355 28921542     Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.           Reviewer Comment (2022-11-17): Received copy of the title policy with sufficient coverage.
 11/17/2022     1 A A A A A A A A A A   CA Primary Refinance - Cash-out - Other   B A B A A A A A     No
[Redacted] [Redacted] [Redacted] 355 28921544     Credit Title Document Error Title The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.   Title policy does not reflect a coverage amount       Reviewer Comment (2022-11-17): Received copy of the title policy with sufficient coverage.
 11/17/2022     1 B A B A B A B A B A   CA Primary Refinance - Cash-out - Other   B A B A A A A A     No
[Redacted] [Redacted] [Redacted] 357 28921564     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. The AVM supports the qualifying value.  No appraisal was provided.; Sec ID: 51 Note Date:  ___; Lien Position: ___ Missing the secondary valuation.       Reviewer Comment (2023-01-06): Received a [redacted]l AVM dated [redacted] that provided a value with a -[redacted]% variance from the appraised value, value supported.
 01/06/2023     1 A A A A D A C A A A   FL Primary Refinance - Cash-out - Other   D A A A A A D A     No
[Redacted] [Redacted] [Redacted] 360 28921579     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. The AVM supports the qualifying value.  No appraisal was provided.; Sec ID: 51 Note Date:  ___; Lien Position: ___ Missing secondary valuation.       Reviewer Comment (2023-01-06): Received a [redacted] AVM dated [redacted] that provided a value with a [redacted]% variance from the appraised value, value supported.
 01/06/2023     1 A A A A D A C A A A   NV Primary Refinance - Cash-out - Other   D A A A A A D A     No
[Redacted] [Redacted] [Redacted] 361 28921583     Compliance Compliance Federal Compliance GSE Fannie Mae 2014 - [redacted]% Points and Fees Fannie Mae 2014 [redacted]% Points and Fees Test.  Points and Fees on subject loan of [redacted]% is in excess of the investor allowable maximum of the greater of [redacted]% of the Federal Total Loan Amount and $[redacted] ([redacted]). Points and Fees total $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an investor allowable total of $[redacted] and $[redacted] ([redacted]) (an overage of $[redacted] or [redacted]%). Loan failed points and fees testing. Additional documentation such as rate sheet must be reviewed to determine if points are bona fide               2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B B A A B B A A     Yes
[Redacted] [Redacted] [Redacted] 362 28921580     Credit Title General Title Title Policy Coverage is less than Original Loan Amount.           Reviewer Comment (2022-11-22): Received copy of the title policy with sufficient coverage.
 11/22/2022     1 B A B A B A B A B A   VA Primary Refinance - Cash-out - Other   B A B A A A A A     No
[Redacted] [Redacted] [Redacted] 362 28921581     Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.           Reviewer Comment (2022-11-22): Received copy of the title policy with sufficient coverage.
 11/22/2022     1 A A A A A A A A A A   VA Primary Refinance - Cash-out - Other   B A B A A A A A     No
[Redacted] [Redacted] [Redacted] 363 28921593     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.   Most recent appraisal dated [redacted] is dated prior to the most recent FEMA disaster       Reviewer Comment (2022-11-28): PDI provided


Seller Comment (2022-11-28): Comment from [redacted] [redacted]): PDI
 11/28/2022     1 C A C A C A C A C A   FL Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 363 28921594     Compliance Compliance Federal Compliance GSE Fannie Mae [redacted] - [redacted]% Points and Fees Fannie Mae [redacted]  [redacted]% Points and Fees Test.  Points and Fees on subject loan of [redacted]% is in excess of the investor allowable maximum of the greater of [redacted]% of the Federal Total Loan Amount and $[redacted] ([redacted]). Points and Fees total $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an investor allowable total of $[redacted] and $[redacted] (an overage of $[redacted]or [redacted]). Points and Fees on subject loan of [redacted]% is in excess of the investor allowable maximum of the greater of[redacted]% of the Federal Total Loan Amount and $[redacted]               2 B B B B B B B B B B   FL Primary Refinance - Cash-out - Other LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B C A B B A A     Yes
[Redacted] [Redacted] [Redacted] 364 28921602     Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.           Reviewer Comment (2022-11-28): Final title provided
 11/28/2022     1 A A A A A A A A A A   CA Primary Refinance - Cash-out - Other   B A B A A A A A     No
[Redacted] [Redacted] [Redacted] 364 28921603     Credit Title Document Error Title The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.           Reviewer Comment (2022-11-28): Final title provided


Seller Comment (2022-11-28): Comment from [redacted] ([redacted]): [redacted] DI See attachment
 11/28/2022     1 B A B A B A B A B A   CA Primary Refinance - Cash-out - Other   B A B A A A A A     No
[Redacted] [Redacted] [Redacted] 365 28921604     Credit Title General Title Final Title Policy Coverage is less than Original Loan Amount. The Final Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.         Reviewer Comment (2022-12-02): Received copy of the updated title policy with sufficient coverage.
 12/02/2022     1 C A C A C A C A C A   AZ Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 369 28921614     Credit Title Document Error Title The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.   The Preliminary title policy amount is blank.       Reviewer Comment (2022-11-28): Title commitment provided


Seller Comment (2022-11-28): Comment from [redacted]: [redacted] see attached please clear thank you
 11/28/2022     1 B A B A B A B A B A   CA Primary Refinance - Cash-out - Other   B A B A A A A A     No
[Redacted] [Redacted] [Redacted] 370 28921611     Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.           Reviewer Comment (2022-11-22): Received copy of the title policy with sufficient coverage.
 11/22/2022     1 A A A A A A A A A A   CA Primary Refinance - Cash-out - Other   B A B A A A A A     No
[Redacted] [Redacted] [Redacted] 370 28921612     Credit Title Document Error Title The Preliminary title policy is within  [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.           Reviewer Comment (2022-11-22): Received copy of the title policy with sufficient coverage.
 11/22/2022     1 B A B A B A B A B A   CA Primary Refinance - Cash-out - Other   B A B A A A A A     No
[Redacted] [Redacted] [Redacted] 372 28921646     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.   Disaster Name: [redacted]
Disaster Declaration Date: [redacted]
Disaster End Date:  [redacted]		       Reviewer Comment (2022-11-30): Received a post close disaster report showing no damage.
 11/30/2022     1 C A C A C A C A C A   FL Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 376 28921659     Compliance Compliance Federal Compliance GSE Fannie Mae [redacted] - [redacted]% Points and Fees Fannie Mae [redacted] [redacted]% Points and Fees Test.  Points and Fees on subject loan of [redacted]% is in excess of the investor allowable maximum of  [redacted]% of the Federal Total Loan Amount. Points and Fees total $[redacted]on a Federal Total Loan Amount of $[redacted] vs. an investor allowable total of $[redacted] (an overage of $[redacted]or .[redacted]%).                 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B B A A B B A A     Yes
[Redacted] [Redacted] [Redacted] 378 28921663     Credit Title Document Error Title The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.                   2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B B B A A     No
[Redacted] [Redacted] [Redacted] 378 28921664     Compliance Compliance Federal Compliance GSE Fannie Mae 2014 - [redacted]% Points and Fees Fannie Mae 2014 [redacted]% Points and Fees Test.  Points and Fees on subject loan of [redacted]% is in excess of the investor allowable maximum of  [redacted]% of the Federal Total Loan Amount. Points and Fees total $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an investor allowable total of $[redacted] (an overage of $[redacted] or [redacted]%). Points and Fees include Underwriting Fee of $[redacted] and Loan Origination Fee of $[redacted] and exceed the [redacted]% threshold by $[redacted] or [redacted]%.               2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B B B B B B A A     Yes
[Redacted] [Redacted] [Redacted] 379 28921669     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.   Lender calculated PITIA of $[redacted] for the first mortgage did not include the taxes and insurance. Total PITIA for the subject property is $[redacted]/month       Reviewer Comment (2023-01-17): Received additional income documentation; DTI recalculated to [redacted]%.
 01/17/2023     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 381 28921675     Credit Title Document Error Title The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropiate coverage is provided.   Policy amount was not listed on the title.       Reviewer Comment (2022-11-28): Title commitment provided


Seller Comment (2022-11-28): Comment from [redacted] ([redacted]): [redacted] DI  See attachment
 11/28/2022     1 C A C A C A C A C A   NY Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 384 28921686     Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.           Reviewer Comment (2022-12-12): Received copy of the short form policy with sufficient coverage.
 12/12/2022     1 A A A A A A A A A A   CA Primary Refinance - Cash-out - Other   D A B A A A D A     No
[Redacted] [Redacted] [Redacted] 384 28921688     Credit Title General Title Title Policy Coverage is less than Original Loan Amount.           Reviewer Comment (2022-12-12): Received copy of the short form policy with sufficient coverage.
 12/12/2022     1 B A B A B A B A B A   CA Primary Refinance - Cash-out - Other   D A B A A A D A     No
[Redacted] [Redacted] [Redacted] 384 28921689     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. The AVM supports the qualifying value.  No appraisal was provided.; Sec ID: 51 Note Date:  ___; Lien Position: ___ The loan is to go into a securitization. Missing secondary valuation       Reviewer Comment (2022-12-20): Received a [redacted]AVM dated [redacted] that provided a value with a -[redacted]% variance from the appraised value, value supported.
 12/20/2022     1 A A A A D A C A A A   CA Primary Refinance - Cash-out - Other   D A B A A A D A     No
[Redacted] [Redacted] [Redacted] 387 28921701     Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.           Reviewer Comment (2022-12-01): Received copy of the title policy with sufficient coverage.
 12/01/2022     1 A A A A A A A A A A   CA Primary Refinance - Cash-out - Other   D A B A A A D A     No
[Redacted] [Redacted] [Redacted] 387 28921703     Credit Title Document Error Title The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.   The policy amount was not listed on the preliminary title.       Reviewer Comment (2022-12-01): Received copy of the title policy with sufficient coverage.
 12/01/2022     1 B A B A B A B A B A   CA Primary Refinance - Cash-out - Other   D A B A A A D A     No
[Redacted] [Redacted] [Redacted] 387 28921704     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. The AVM supports the qualifying value.  No appraisal was provided.; Sec ID: 51 Note Date:  ___; Lien Position: ___ Missing secondary valuation       Reviewer Comment (2022-12-20): Received a[redacted] AVM dated [redacted] that provided a value with a -[redacted]% variance from the appraised value, value supported.
 12/20/2022     1 A A A A D A C A A A   CA Primary Refinance - Cash-out - Other   D A B A A A D A     No
[Redacted] [Redacted] [Redacted] 388 28921706     Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.           Reviewer Comment (2022-11-28): Final title provided
 11/28/2022     1 A A A A A A A A A A   CA Primary Refinance - Cash-out - Other   B B B A B B A A     No
[Redacted] [Redacted] [Redacted] 388 28921707     Credit Title Document Error Title The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.           Reviewer Comment (2022-11-28): Final title provided


Seller Comment (2022-11-28): Comment from [redacted]: [redacted] see attached please clear thank you
 11/28/2022     1 B A B A B A B A B A   CA Primary Refinance - Cash-out - Other   B B B A B B A A     No
[Redacted] [Redacted] [Redacted] 388 28921710     Compliance Compliance Federal Compliance GSE Fannie Mae 2014 - [redacted]% Points and Fees Fannie Mae 2014 [redacted]% Points and Fees Test.  Points and Fees on subject loan of [redacted]% is in excess of the investor allowable maximum of  [redacted]% of the Federal Total Loan Amount. Points and Fees total $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an investor allowable total of $[redacted] (an overage of $[redacted] or [redacted]%). Missing supporting documentation for undiscounted rate/price.               2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B B B A B B A A     Yes
[Redacted] [Redacted] [Redacted] 390 28921713     Credit Title Document Error Title The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.   Title Policy amount not Provided               2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A A A     No
[Redacted] [Redacted] [Redacted] 391 28921715     Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Purchase Agreement / Sales Contract not provided   Purchase Agreement/ Sales Contract Not provided in borrower file..       Reviewer Comment (2022-11-30): Received copy of the purchase contract.
 11/30/2022     1 D A D A D A D A D A   UT Primary Purchase   D A D A A A A A     No
[Redacted] [Redacted] [Redacted] 391 28921716     Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Note - Senior Lien not provided   Missing verification of 1st Lien P&I payment       Reviewer Comment (2022-11-30): Received copy of the first lien note.
 11/30/2022     1 D A D A D A D A D A   UT Primary Purchase   D A D A A A A A     No
[Redacted] [Redacted] [Redacted] 392 28921720     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.   Most Recent Valuation Inspection Date: [redacted]    
Disaster End Date: [redacted]
Disaster Name: [redacted]
Disaster Declaration Date: [redacted]		       Reviewer Comment (2022-12-05): Received copy of the post disaster inspection showing no damage.
 12/05/2022     1 C A C A C A C A C A   FL Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 393 28921727     Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.           Reviewer Comment (2022-11-30): Received copy of the short form policy with sufficient coverage.
 11/30/2022     1 A A A A A A A A A A   CA Primary Refinance - Cash-out - Other   B B B A B B A A     No
[Redacted] [Redacted] [Redacted] 393 28921728     Credit Title Document Error Title The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.   The policy amount was not provided.       Reviewer Comment (2022-11-30): Received copy of the short form policy with sufficient coverage.
 11/30/2022     1 B A B A B A B A B A   CA Primary Refinance - Cash-out - Other   B B B A B B A A     No
[Redacted] [Redacted] [Redacted] 393 28921730     Compliance Compliance Federal Compliance GSE Fannie Mae [redacted] - [redacted]% Points and Fees Fannie Mae 2014[redacted]% Points and Fees Test.  Points and Fees on subject loan of [redacted]% is in excess of the investor allowable maximum of  [redacted]% of the Federal Total Loan Amount. Points and Fees total $[redacted] on a Federal Total Loan Amount of $[redacted]vs. an investor allowable total of $[redacted] (an overage of $[redacted] or .[redacted]%). Points and fees in the amount of $[redacted] exceeds allowable maximum amount of $[redacted] for an overage of $[redacted]               2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B B B A B B A A     Yes
[Redacted] [Redacted] [Redacted] 395 28921738     Credit Title Document Error Title The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.           Reviewer Comment (2022-12-07): Received copy of the updated commitment with sufficient coverage.
 12/07/2022     1 B A B A B A B A B A   CA Primary Refinance - Cash-out - Other   B B B A B B A A     No
[Redacted] [Redacted] [Redacted] 395 28921744     Compliance Compliance Federal Compliance GSE Fannie Mae [redacted] - [redacted]% Points and Fees Fannie Mae [redacted] [redacted]% Points and Fees Test.  Points and Fees on subject loan of [redacted]% is in excess of the investor allowable maximum of  [redacted]% of the Federal Total Loan Amount. Points and Fees total $[redacted]on a Federal Total Loan Amount of $[redacted] vs. an investor allowable total of $[redacted] (an overage of $[redacted] or [redacted]%). Document Bona Fide points & fees               2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B B B A B B A A     Yes
[Redacted] [Redacted] [Redacted] 397 28921751     Credit Title Document Error Title The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.                   2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A A A     No
[Redacted] [Redacted] [Redacted] 398 28921760     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.   Most Recent Valuation Inspection Date: [redacted]               
Disaster End Date: [redacted]
Disaster Name: [redacted]
Disaster Declaration Date: [redacted]		       Reviewer Comment (2022-12-05): Received copy of the post disaster inspection showing no damage.
 12/05/2022     1 C A C A C A C A C A   FL Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 399 28921756     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. The AVM supports the qualifying value.  No appraisal was provided.; Sec ID: [redacted] Note Date:  ___; Lien Position: ___ Missing secondary valuation       Reviewer Comment (2022-12-20): Received a [redacted] AVM dated [redacted] that provided a value with a -[redacted]% variance from the appraised value, value supported.
 12/20/2022     1 A A A A D A C A A A   CA Primary Refinance - Cash-out - Other   D B C A B B D A     No
[Redacted] [Redacted] [Redacted] 399 28921757     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: -         Reviewer Comment (2023-02-14): Received verification of the pension payment.
 02/14/2023     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   D B C A B B D A     No
[Redacted] [Redacted] [Redacted] 399 28921758     Compliance Compliance Federal Compliance GSE Fannie Mae [redacted]- [redacted]% Points and Fees Fannie Mae [redacted] [redacted] % Points and Fees Test.  Points and Fees on subject loan of [redacted]% is in excess of the investor allowable maximum of the greater of .[redacted]% of the Federal Total Loan Amount and $[redacted]([redacted]). Points and Fees total $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an investor allowable total of $[redacted] and $[redacted] ([redacted]) (an overage of $[redacted]or [redacted]%). Points and Fees total $[redacted] vs. an investor allowable total of $[redacted] for an overage of $[redacted]               2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. D B C A B B D A     Yes
[Redacted] [Redacted] [Redacted] 400 28921753     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.   Most Recent Valuation Inspection Date: [redacted]       
Disaster End Date: [redacted]
Disaster Name: [redacted]
Disaster Declaration Date: [redacted]		       Reviewer Comment (2022-12-05): Received copy of the post disaster inspection showing no damage.
 12/05/2022     1 C A C A C A C A C A   FL Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 400 28921754     Compliance Compliance Federal Compliance GSE Fannie Mae 2014 - [redacted]% Points and Fees Fannie Mae [redacted]  [redacted]% Points and Fees Test.  Points and Fees on subject loan of [redacted]% is in excess of the investor allowable maximum of the greater of [redacted]% of the Federal Total Loan Amount and $[redacted] ([redacted]). Points and Fees total $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an investor allowable total of $[redacted] and $[redacted] ([redacted]) (an overage of $[redacted] or [redacted]%). Points and Fees total $[redacted] vs. an investor allowable total of $[redacted] for an overage of $[redacted]               2 B B B B B B B B B B   FL Primary Refinance - Cash-out - Other LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B C A B B A A     Yes
[Redacted] [Redacted] [Redacted] 401 28921761     Compliance Compliance Federal Compliance GSE Fannie Mae [redacted]- [redacted]% Points and Fees Fannie Mae [redacted] [redacted] % Points and Fees Test.  Points and Fees on subject loan of [redacted] % is in excess of the investor allowable maximum of  [redacted] % of the Federal Total Loan Amount. Points and Fees total $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an investor allowable total of $[redacted] (an overage of $[redacted] or .[redacted]%). Points and Fees total $[redacted] vs. an investor allowable total of $[redacted] for an overage of $[redacted]               2 B B B B B B B B B B   NY Primary Refinance - Cash-out - Other LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B B A A B B A A     Yes
[Redacted] [Redacted] [Redacted] 402 28921781     Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.           Reviewer Comment (2022-12-01): Received copy of the short form policy with sufficient coverage.
 12/01/2022     1 A A A A A A A A A A   FL Primary Refinance - Cash-out - Other   B B B A B B A A     No
[Redacted] [Redacted] [Redacted] 402 28921783     Credit Title General Title Title Policy Coverage is less than Original Loan Amount.   Title policy reflects lower than loan amount. Final policy should reflect at least Note amount of $[redacted]       Reviewer Comment (2022-12-01): Received copy of the short form policy with sufficient coverage.
 12/01/2022     1 B A B A B A B A B A   FL Primary Refinance - Cash-out - Other   B B B A B B A A     No
[Redacted] [Redacted] [Redacted] 402 28921785     Compliance Compliance Federal Compliance GSE Fannie Mae [redacted]- [redacted]% Points and Fees Fannie Mae [redacted] [redacted] % Points and Fees Test.  Points and Fees on subject loan of [redacted] % is in excess of the investor allowable maximum of the greater of .[redacted] % of the Federal Total Loan Amount and $[redacted]([redacted]). Points and Fees total $[redacted]on a Federal Total Loan Amount of $[redacted] vs. an investor allowable total of $[redacted]and $[redacted]([redacted]) (an overage of $[redacted]or [redacted]%). Points and Fees total $[redacted]vs. an investor allowable total of $[redacted]for an overage of $[redacted]               2 B B B B B B B B B B   FL Primary Refinance - Cash-out - Other LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B B B A B B A A     Yes
[Redacted] [Redacted] [Redacted] 405 28921795     Credit Hazard Insurance Insufficient Coverage Hazard Insurance The Hazard Insurance Policy Effective Date is after closing.           Reviewer Comment (2022-12-08): Received verification insurance was in place at the time the loan closed.
 12/08/2022     1 C A C A C A C A C A   NY Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 405 28921799     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.   Qualifying income of $[redacted], qualifying total PITIA $[redacted], and debt of $[redacted]; lender qualified with back debt of $[redacted].       Reviewer Comment (2022-12-08): Received [redacted] months banks statements documenting the auto payment is being made by another party. DTI recalculated to [redacted]%.
 12/08/2022     1 C A C A C A C A C A   NY Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 411 28921809     Credit Title Document Error Title The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.                   2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A A A     No
[Redacted] [Redacted] [Redacted] 414 28921829     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. The AVM supports the qualifying value.  No appraisal was provided.; Sec ID: [redacted] Note Date:  ___; Lien Position: ___ Loan is to go in a securitization and reflects only one valuation product when two are required.       Reviewer Comment (2023-01-05): Received a [redacted] AVM dated [redacted] that provided a value with a [redacted]% variance from the appraised value, value supported.
 01/05/2023     1 A A A A D A C A A A   AL Primary Refinance - Cash-out - Other   D A A A A A D A     No
[Redacted] [Redacted] [Redacted] 415 28921824     Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   Current HOI policy does not cover [redacted]st and [redacted] lien balances       Reviewer Comment (2022-12-13): Received the insurer's cost to rebuild; coverage is sufficient.
 12/13/2022     1 C A C A C A C A C A   MD Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 415 28921826     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.   Total income $[redacted], Qualifying PITIA $[redacted] and debt of $[redacted] results in ratios over [redacted]%. No debts paid at close       Reviewer Comment (2023-01-17): Received the student loan consolidation; DTI recalculated to [redacted]%.
 01/17/2023     1 C A C A C A C A C A   MD Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 416 28921822     Credit Title Document Error Title The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.                   2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A A A     No
[Redacted] [Redacted] [Redacted] 418 28921837     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing. - Mortgage statement not provided to validate payment is escrowed for property [redacted].       Reviewer Comment (2022-12-14): Received the CD from the purchase of the additional property.
 12/14/2022     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C B C B A A A A     No
[Redacted] [Redacted] [Redacted] 418 28921838     Credit Title Document Error Title The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.                   2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   C B C B A A A A     No
[Redacted] [Redacted] [Redacted] 419 28921840     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.   Disaster Name: [redacted]
Disaster Declaration Date: [redacted]
Disaster End Date: [redacted]		       Reviewer Comment (2022-12-19): Received copy of the post disaster inspection showing no damage.
 12/19/2022     1 C A C A C A C A C A   MO Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 420 28921842     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Combined loan to value discrepancy.   Max investor CLTV is [redacted] with a  [redacted] score per  [redacted] overlays. CLTV is  [redacted] %       Reviewer Comment (2023-01-06): Received credit supplement dated prior to closing; LTV recalculated to [redacted]%.
 01/06/2023     1 C A C A C A C A C A   LA Primary Refinance - Cash-out - Other   C B C B A A A A     No
[Redacted] [Redacted] [Redacted] 420 28921843     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.                 2 B B B B B B B B B B   LA Primary Refinance - Cash-out - Other   C B C B A A A A     No
[Redacted] [Redacted] [Redacted] 421 28921845     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing. - Missing evidence of the HOA fee for the subject property.       Reviewer Comment (2022-12-15): Received verification of the HOA dues on the subject.
 12/15/2022     1 C A C A C A C A C A   NV Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 421 28921846     Credit Credit Miscellaneous Guideline Credit Exception:   Client overlay does not allow a [redacted] associated with the property if it creates an easement on title.  There is a solar [redacted] on the title that was terminated prior to close but the escrow instructions to the title agent state to record a new [redacted] after the subject loan is recorded.       Reviewer Comment (2023-02-01): Client approved the exception to the client's purchase criteria.
 02/01/2023     1 C A C A C A C A C A   NV Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 421 28921849     Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility Missing Document: Note - Subordinate Lien not provided   Missing loan documents for the solar panels.       Reviewer Comment (2023-01-30): Received the loan documents for the subordinate lien.
 01/30/2023     1   A   A   A   A   A   NV Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 424 28921856     Credit Title General Title Title Policy Coverage is less than Original Loan Amount.   Proposed insured amount is less than final loan amount. Please provide final policy with coverage equal to the loan amount.       Reviewer Comment (2022-12-13): Received copy of the updated commitment with sufficient coverage.
 12/13/2022     1 B A B A B A B A B A   FL Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 424 28921857     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.   Qualifying payment of $[redacted]  results in DTI exceeding max of [redacted]%. Lender calculations were not in the file.       Reviewer Comment (2023-01-17): Received additional income documentation; DTI recalculated to [redacted]%.
 01/17/2023     1 C A C A C A C A C A   FL Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 425 28921863     Compliance Loan Package Documentation Application / Processing Missing, Incorrect, or Incomplete Final or Initial 1003 Missing Document: Missing Lender's Initial 1003   Missing initial 1003 with application date               2 B B B B B B B B B B   FL Primary Purchase   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 429 28921878     Credit Title Document Error Title The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.                   2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A A A     No
[Redacted] [Redacted] [Redacted] 432 28921882     Compliance Compliance Federal Compliance GSE Fannie Mae [redacted]- [redacted] % Points and Fees Fannie Mae [redacted] [redacted]% Points and Fees Test.  Points and Fees on subject loan of [redacted] % is in excess of the investor allowable maximum of  [redacted] % of the Federal Total Loan Amount. Points and Fees total $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an investor allowable total of $[redacted] (an overage of $[redacted] or .[redacted]%). Max fees and points allowed on this review are  [redacted]% of the Federal Total Loan Amount and Points of $[redacted]               2 B B B B B B B B B B   HI Primary Refinance - Cash-out - Other LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B C A B B A A     Yes
[Redacted] [Redacted] [Redacted] 432 28921883     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.   Verified income of $[redacted] /month, Qualifying PITIA of $[redacted] /month, 2nd home PITIA $[redacted] and debt of $[redacted].  Lender calculations not provided in file.       Reviewer Comment (2023-02-06): Received verification the additional property is paid by another party; DTI recalculated to [redacted]%.
 02/06/2023     1 C A C A C A C A C A   HI Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 435 28921893     Compliance Compliance Federal Compliance GSE Fannie Mae [redacted]- [redacted] % Points and Fees Fannie Mae [redacted] [redacted]% Points and Fees Test.  Points and Fees on subject loan of [redacted] % is in excess of the investor allowable maximum of  [redacted]% of the Federal Total Loan Amount. Points and Fees total $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an investor allowable total of $[redacted](an overage of $[redacted] or .[redacted]%). Points and Fees total $[redacted]vs. an investor allowable total of $[redacted]for an overage of $[redacted]               2 B B B B B B B B B B   FL Primary Purchase LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B B A A B B A A     Yes
[Redacted] [Redacted] [Redacted] 436 28921899     Credit Title Document Error Title The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.                   2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A A A     No
[Redacted] [Redacted] [Redacted] 437 28921904     Credit Title Document Error Title The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.                   2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A A A     No
[Redacted] [Redacted] [Redacted] 440 28921908     Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   Hazard coverage is insufficient to cover the first mortgage balance and new second mortgage.       Reviewer Comment (2022-12-30): Provided evidence of replacement cost at $[redacted] for state of [redacted]


Seller Comment (2022-12-29): Comment from [redacted] ([redacted]): [redacted] [redacted]: Please see the attached documentation for the insurance on the subject property. We have provided a Checklist of Coverage that confirms that the dwelling coverage of the subject property is based on the replacement cost of the property.  Because of this, the dwelling coverage would be sufficient.
 12/30/2022     1 C A C A C A C A C A   FL Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 440 28921909     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.   Total DTI of [redacted] exceeds guidelines of [redacted] %. PITI of $[redacted]with Credit debt of $[redacted]and Income of $[redacted]results in DTI of [redacted]%       Reviewer Comment (2022-12-30): $[redacted]  installment has less than [redacted] months left and can be excluded.


Buyer Comment (2022-12-29): Comment from [redacted] ([redacted]): [redacted]: Please note that the difference in the DTI calculation from [redacted] and [redacted] is the monthly payment of $[redacted] for the [redacted] installment debt. [redacted] excluded the installment debt from the borrower's DTI calculation because the debt has less than [redacted] payments remaining before the debt is paid in full.
 12/30/2022     1 C A C A C A C A C A   FL Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 441 28921915     Compliance Compliance Federal Compliance GSE Fannie Mae [redacted]- [redacted] % Points and Fees Fannie Mae [redacted] [redacted] % Points and Fees Test.  Points and Fees on subject loan of [redacted] % is in excess of the investor allowable maximum of the greater of .[redacted]% of the Federal Total Loan Amount and $[redacted] ([redacted]). Points and Fees total $[redacted] on a Federal Total Loan Amount of $[redacted]vs. an investor allowable total of $[redacted] and $[redacted]([redacted]) (an overage of $[redacted] or [redacted]%). Points and Fees total $[redacted]vs. an investor allowable total of $[redacted]and $[redacted]for an overage of $[redacted]               2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B B A A B B A A     Yes
[Redacted] [Redacted] [Redacted] 444 28921934     Compliance Compliance Federal Compliance GSE Fannie Mae 2014 - [redacted]% Points and Fees Fannie Mae 2014 [redacted]% Points and Fees Test.  Points and Fees on subject loan of [redacted]% is in excess of the investor allowable maximum of  [redacted]% of the Federal Total Loan Amount. Points and Fees total $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an investor allowable total of $[redacted] (an overage of $[redacted] or [redacted]%). Document bona fide points & fees               2 B B B B B B B B B B   FL Primary Refinance - Cash-out - Other LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B B A A B B A A     Yes
[Redacted] [Redacted] [Redacted] 445 28921936     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. Title Policy Coverage is less than Original Loan Amount               2 B B B B B B B B B B   CO Primary Refinance - Cash-out - Other   B B B B A A A A     No
[Redacted] [Redacted] [Redacted] 446 29952368     Compliance Compliance Federal Compliance TILA HELOC Fees Used For Testing Truth in Lending Act (HELOC): Fees disclosed on Line of Credit Closing Statement exceed those disclosed in HELOC Agreement. Fees from the Line of Credit Closing Statement are used in any federal, state, and local high cost testing. The Final Closing Statement reflects a Settlement fee of $[redacted] that is not reflected on the HELOC Agreement.               2 B B B B B B B B B B   WA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 452 29799467     Compliance Compliance State Compliance State Defect (TX50(t)(5)) (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal). No appraisal or valuation value used to determine LTV.  Unable to determine compliance with [redacted] (t)([redacted]) CLTV limitation due to missing appraisal or other evaluation to verify property value/LTV No appraisal or valuation value used to determine LTV.  Unable to determine compliance with [redacted] (t)([redacted]) CLTV limitation due to missing appraisal or other evaluation to verify property value/LTV               2 B B B B B B B B B B   TX Primary Refinance - Cash-out - Other Send the borrower a written acknowledgement that the lien is valid only in the amount that the extension of credit does not exceed the CLTV of 80%. B B A A B B A A     Yes
[Redacted] [Redacted] [Redacted] 453 29866188     Credit Income Document Error Income Proof of Child Age not provided. - Missing proof of Child Age.       Reviewer Comment (2024-02-08): Proof of age provided. Exception is clear.


Seller Comment (2024-02-05): Please see page [redacted] of uploaded child support. This shows the birthdates of the children
 02/08/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Debt Consolidation   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 454 29874525     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.   DTI discrepancy due to higher child support amount $[redacted]per court order. The loan approval and the final application listed a lower amount $[redacted] mo as a garnishment. Also, the loan file is missing a signed HUD1 Settlement Statement with Loan Payoffs for [redacted] Collection Agency $[redacted], [redacted] $[redacted], [redacted]  $[redacted] and [redacted]/[redacted] $[redacted].       Reviewer Comment (2024-02-06): Child support has been updated. Exception is clear.


Seller Comment (2024-02-05): [redacted] is only required to pay $[redacted] per month in child support. The additional $[redacted] was to be charged until the $[redacted] om arrears has been paid.


Seller Comment (2024-02-05): HELOCs do not require a HUD1 settlement statement. [redacted] credit settlement statement on file.
 02/06/2024     1 C A C A C A C A C A   PA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 454 29874684     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline AUS/Guideline Findings: All conditions were not met   DTI discrepancy due to higher child support amount $[redacted] per court order. The loan approval and the final application listed a lower amount $[redacted] mo as a garnishment. Also, the loan file is missing a signed HUD1 Settlement Statement with Loan Payoffs for [redacted] $[redacted] [redacted] $[redacted], [redacted] $[redacted] and [redacted] $[redacted].       Reviewer Comment (2024-02-06): Closing statement provided. Exception is clear.


Seller Comment (2024-02-02): Settlement Statement uploaded
 02/06/2024     1 C A C A C A C A C A   PA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 460 29798463     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Divorce Decree / Child Support not provided   Divorce Decree / Child Support is missing in file.       Reviewer Comment (2024-02-08): Divorce decree provided. Exception is clear.


Seller Comment (2024-02-05): DD uploaded
 02/08/2024     1 C A C A C A C A C A   FL Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 461 29940030     Compliance Compliance State Compliance Misc. State Level Colorado Consumer Credit Code (Borrower Written Reason for Loan, Modification, or Refinance Not Provided) [redacted] Consumer Credit Code: Borrower did not provided a written description of reasons for seeking loan, modification, or refinance.         Reviewer Comment (2024-02-09): Disclosure provided. Exception is clear.
 02/09/2024     1 B A B A B A B A B A   CO Primary Refinance - Cash-out - Other   C A A A C A A A     No
[Redacted] [Redacted] [Redacted] 461 29940031     Compliance Compliance State Compliance State Defect Colorado Consumer Credit Code (Choice of Insurance and Cost of Insurance Disclosure Not Provided) [redacted]Consumer Credit Code:  Borrower not provided a written statement setting forth the cost of homeowners insurance if obtained from lender and that borrower may choose insurance provider.         Reviewer Comment (2024-02-09): Disclosure provided. Exception is clear.


Seller Comment (2024-02-08): Initial Disclosure and CO docs uploaded
 02/09/2024     1 C A C A C A C A C A   CO Primary Refinance - Cash-out - Other   C A A A C A A A     No
[Redacted] [Redacted] [Redacted] 463 29873224     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. Rate Lock document provided does not reflect the actual Lock Date.               2 B B B B B B B B B B   FL Primary Refinance - Cash-out - Debt Consolidation   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 464 29875049     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - Paystub ending date [redacted] is missing for income calculation.       Reviewer Comment (2024-02-09): Paystub provided. Exception is clear.


Seller Comment (2024-02-08): [redacted] Paystub
 02/09/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 472 29940022     Compliance Compliance Federal Compliance TILA TILA HELOC - Billing Rights Disclosure Missing  Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower. Billing Right disclosure not provided to borrower.       Reviewer Comment (2024-02-16): Disclosure provided. Exception is clear.


Seller Comment (2024-02-15): See page [redacted] of [redacted] of documents uploaded to investor


Seller Comment (2024-02-15): Provided to borrower at closing.
 02/16/2024     1 C A C A C A C A C A   TX Primary Refinance - Cash-out - Other   C A A A C A A A     No
[Redacted] [Redacted] [Redacted] 472 29940023     Compliance Compliance State Compliance State Defect (TX50(a)(6)) Texas Cash-out Loan  (Itemization of Points and Fees Not Provided At Least 1 Business Day Prior to Closing - No Waiver) [redacted]Constitution Section [redacted](a)([redacted]): Final itemized disclosure of fees, points, costs and charges not provided to borrower at least one ([redacted]) business day prior to closing without a waiver. Final itemized disclosure of fees, points, costs and charges not provided to borrower at least one ([redacted]) business day prior to closing without a waiver.       Reviewer Comment (2024-02-16): Disclosure provided. Exception is clear.


Seller Comment (2024-02-15): Pre Closing package received by borrower [redacted]
 02/16/2024     1 C A C A C A C A C A   TX Primary Refinance - Cash-out - Other Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. C A A A C A A A     Yes
[Redacted] [Redacted] [Redacted] 472 29940024     Compliance Compliance State Compliance State Defect (TX50(t)(5))  TX Admin Code 153.86(3): maximum principal balance of the HELOC [redacted]Constitution [redacted](t)([redacted]); [redacted]Admin Code [redacted]([redacted]):  The maximum principal balance of the HELOC that may be outstanding at any time was not determined on the date of closing and/or is permitted to change through the term of the HELOC. The maximum principal balance of the HELOC that may be outstanding at any time was not determined on the date of closing and/or is permitted to change through the term of the HELOC.       Reviewer Comment (2024-02-19): Information has been updated. Exception is clear.


Seller Comment (2024-02-16): The maximum principal balance of the HELOC is the max line amount of $[redacted]. The entire line was taken out at closing.
 02/19/2024     1 C A C A C A C A C A   TX Primary Refinance - Cash-out - Other Send the borrower a written notice modifying the amount of the current outstanding principle balance to be the maximum amount agreed upon determined on the date of closing and a written acknowledgement that the lien is valid only in the amount that the extension of credit does not exceed 80% CLTV. C A A A C A A A     Yes
[Redacted] [Redacted] [Redacted] 472 29940025     Compliance Compliance State Compliance State Defect (TX50(t)(8)(B))  During the repayment period installments are not equal [redacted] Constitution [redacted] (t)([redacted])(B):  After the period during which the owner may request advances, installments are not substantially equal. Closing date reflects[redacted] with a maturity date of [redacted]. [redacted] years from date of closing would make maturity date[redacted]. Maturity date reflected on home equity line of credit agreement & disclosure statement reflects total term of [redacted].       Reviewer Comment (2024-02-20): Information updated. Exception is clear.


Seller Comment (2024-02-19): The period is only [redacted] months, closed [redacted] 1st payment [redacted] matures [redacted]
 02/20/2024     1 C A C A C A C A C A   TX Primary Refinance - Cash-out - Other Send the borrower a written notice modifying any other amount, percentage, term, or other provision prohibited by this section to a permitted amount, percentage, term, or other provision and adjusting the account of the borrower to ensure that the borrower is not required to pay more than an amount permitted by this section and is not subject to any other term or provision prohibited by this section. C A A A C A A A     Yes
[Redacted] [Redacted] [Redacted] 472 29940026     Compliance Compliance State Compliance State Defect (TX50(t)(8)(A))  During the advance period installment can be less than the accrued interest [redacted] Constitution [redacted](t)([redacted])(A):  During the period during which the owner may request advances, each installment does not equal or exceed the amount of accrued interest Draw period is of [redacted] months and repayment period is of [redacted], combine both to make [redacted] months.       Reviewer Comment (2024-02-20): Information updated. Exception is clear.
 02/20/2024     1 C A C A C A C A C A   TX Primary Refinance - Cash-out - Other Send the borrower a written notice modifying any other amount, percentage, term, or other provision prohibited by this section to a permitted amount, percentage, term, or other provision and adjusting the account of the borrower to ensure that the borrower is not required to pay more than an amount permitted by this section and is not subject to any other term or provision prohibited by this section. C A A A C A A A     Yes
[Redacted] [Redacted] [Redacted] 475 29939914     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: -         Reviewer Comment (2024-02-09): [redacted] Benefit provided. Exception is clear.


Seller Comment (2024-02-08): [redacted] benefit uploaded
 02/09/2024     1 C A C A C A C A C A   GA Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 475 29939924     Credit Insurance Insurance Documentation Insurance Missing Document: Flood Insurance Policy not provided   Flood insurance policy not provided.       Reviewer Comment (2024-02-09): Flood policy provided. Exception is clear.


Seller Comment (2024-02-08): Flood Policy uploaded
 02/09/2024     1 C A C A C A C A C A   GA Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 475 29939957     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements Notary date not provided.               2 B B B B B B B B B B   GA Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 476 29940192     Compliance Compliance Federal Compliance TILA HELOC Fees Used For Testing Truth in Lending Act (HELOC): Fees disclosed on Line of Credit Closing Statement exceed those disclosed in HELOC Agreement. Fees from the Line of Credit Closing Statement are used in any federal, state, and local high cost testing.                 2 B B B B B B B B B B   TX Primary Refinance - Cash-out - Other   C B C A C B A A     No
[Redacted] [Redacted] [Redacted] 476 29940193     Compliance Compliance State Compliance State Defect (TX50(a)(6)) Texas Cash-out Loan  (Itemization of Points and Fees Not Provided At Least 1 Business Day Prior to Closing - No Waiver) [redacted] Constitution Section [redacted] (a)([redacted]): Final itemized disclosure of fees, points, costs and charges not provided to borrower at least [redacted] business day prior to closing without a waiver.         Reviewer Comment (2024-02-13): Proof of delivery of fees provided. Exception is clear.


Seller Comment (2024-02-09): Please see page [redacted] of [redacted] already uploaded to investor borrower provided Settlement Statement Terms [redacted] HELOC equivalent [redacted]
 02/13/2024     1 C A C A C A C A C A   TX Primary Refinance - Cash-out - Other Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. C B C A C B A A     Yes
[Redacted] [Redacted] [Redacted] 476 29940194     Compliance Compliance State Compliance Misc. State Level (TX50(a)(6)) Texas Cash-out Loan  (Other Debt) [redacted] Constitution Section [redacted] (a)([redacted]): [redacted] [redacted](a)([redacted]) prohibits other debt secured by the homestead unless the purpose of additional debt is one described under [redacted] [redacted] (a)([redacted])-([redacted]) or ([redacted]). Unable to determine purpose of additional debt secured by the homestead.                 2 B B B B B B B B B B   TX Primary Refinance - Cash-out - Other Confirm whether additional debt on the subject property is a Texas 50(a)(6) or 50(a)(7) prior to Remediating.  Notify consumer the accrual of interest and other obligations will be abated so long as the prior 50(a)(6) or (7) is secured by the homestead C B C A C B A A     Yes
[Redacted] [Redacted] [Redacted] 476 29953706     Credit Income / Employment Income Documentation Income / Employment Income documentation requirements not met.   Prior employment VVOE for B1 missing, verification of employment dates to be verified. [redacted] reflects a [redacted] -year gap in employment, but W2's provided reflect employed in [redacted] & [redacted].       Reviewer Comment (2024-02-13): VVOE provided. Exception is clear.


Seller Comment (2024-02-12): corrected voe screen uploaded
 02/13/2024     1 C A C A C A C A C A   TX Primary Refinance - Cash-out - Other   C B C A C B A A     No
[Redacted] [Redacted] [Redacted] 477 29948975     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - 1040's for [redacted] and  [redacted] not provided.       Reviewer Comment (2024-02-13): 1040s are not required. Exception is clear.


Seller Comment (2024-02-09): 1040's are not required per guidelines borr is W2
 02/13/2024     1 C A C A C A C A C A   NC Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 477 29948990     Credit Income / Employment Income Documentation Income / Employment Income documentation requirements not met.   1040's for [redacted]  and [redacted] not provided.       Reviewer Comment (2024-02-13): 1040s are not required. Exception is clear.


Seller Comment (2024-02-09): 1040's are not required per guidelines borr is W2
 02/13/2024     1 C A C A C A C A C A   NC Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 481 29965199     Credit Income / Employment Income Documentation Income / Employment Income documentation requirements not met.   Income documentation does not verify a [redacted]-year history earning  [redacted] per month. Borrower was a prior owner and 1099 employee with average income earnings of $ [redacted]. Lender guidelines require verification of stable income used for qualifying.       Reviewer Comment (2024-02-19): Income has been sufficiently verified. Exception is clear.


Seller Comment (2024-02-16): Borrower went from [redacted] to [redacted] employee, this is considered a more stable form of income. S/E used to verify [redacted] month work history only. Verified borrower earns $[redacted] per month since [redacted]. W2 income considered to be stable.
 02/19/2024     1 C A C A C A C A C A   NV Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 484 29948838     Compliance Compliance Federal Compliance TILA HELOC Fees Used For Testing Truth in Lending Act (HELOC): Fees disclosed on Line of Credit Closing Statement exceed those disclosed in HELOC Agreement. Fees from the Line of Credit Closing Statement are used in any federal, state, and local high cost testing.                 2 B B B B B B B B B B   IN Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 485 29940017     Compliance Compliance Federal Compliance TILA HELOC Fees Used For Testing Truth in Lending Act (HELOC): Fees disclosed on Line of Credit Closing Statement exceed those disclosed in HELOC Agreement. Fees from the Line of Credit Closing Statement are used in any federal, state, and local high cost testing.                 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 494 29940449     Compliance Compliance State Compliance Misc. State Level Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided Timely) [redacted]HB [redacted]: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower within three ([redacted]) business days of  receipt of the loan application. [redacted]HB [redacted]: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower within three (3) business days of receipt of the loan application.               2 B B B B B B B B B B   WA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 503 29944157     Compliance Compliance State Compliance State Defect Colorado Consumer Credit Code (Choice of Insurance and Cost of Insurance Disclosure Not Provided) [redacted] Consumer Credit Code:  Borrower not provided a written statement setting forth the cost of homeowners insurance if obtained from lender and that borrower may choose insurance provider.         Reviewer Comment (2024-02-13): Disclosure provided. Exception is clear.


Seller Comment (2024-02-09): Uploaded Disclosure
 02/13/2024     1 C A C A C A C A C A   CO Primary Refinance - Cash-out - Other   C A A A C A A A     No
[Redacted] [Redacted] [Redacted] 506 29940994     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   FL Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 508 29954808     Compliance Compliance Federal Compliance TILA TILA HELOC - Billing Rights Disclosure Missing  Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower. The HELOC Billings Rights disclosure was not located within the loan file.       Reviewer Comment (2024-02-19): Disclosure provided. Exception is clear.


Seller Comment (2024-02-16): Document uploaded
 02/19/2024     1 C A C A C A C A C A   CT Primary Refinance - Cash-out - Other   C A A A C A A A     No
[Redacted] [Redacted] [Redacted] 515 29945203     Compliance Compliance State Compliance State Defect (TX50(t)(7))  HELOC Agreement allows the lender amend the extension of credit [redacted] Constitution [redacted] (t)(7):  HELOC Agreement includes provision permitting lender or holder to unilaterally amend the extension of credit. HELOC Agreement includes provision permitting lender or holder to unilaterally amend the extension of credit.       Reviewer Comment (2024-02-16): HELOC Agreement has been reviewed and is acceptable. Exception is clear.


Seller Comment (2024-02-15): What section of the HELOC agreement do you have an issue with? There is not a provision that allows us as the lender to unilaterally amend the extension of credit.
 02/16/2024     1 C A C A C A C A C A   TX Primary Refinance - Cash-out - Other Send the borrower a written notice modifying the HELOC Agreement to provide that the agreement does not permit the lender to unilaterally amend the extension of credit and adjust the account of the borrower to ensure that the borrower is not subject to any other term or provision prohibited by Texas law. C B A A C B A A     Yes
[Redacted] [Redacted] [Redacted] 515 29945204     Compliance Compliance State Compliance State Defect (TX50(t)(5)) (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal). No appraisal or valuation value used to determine LTV.  Unable to determine compliance with [redacted] (t)(5) CLTV limitation due to missing appraisal or other evaluation to verify property value/LTV No appraisal or valuation value used to determine LTV. Unable to determine compliance with [redacted] (t)([redacted]) CLTV limitation due to missing appraisal or other evaluation to verify property value/LTV               2 B B B B B B B B B B   TX Primary Refinance - Cash-out - Other Send the borrower a written acknowledgement that the lien is valid only in the amount that the extension of credit does not exceed the CLTV of 80%. C B A A C B A A     Yes
[Redacted] [Redacted] [Redacted] 515 29945205     Compliance Compliance State Compliance State Defect (TX50(t)(5))  TX Admin Code 153.86(3): maximum principal balance of the HELOC [redacted]Constitution 50(t)(5); [redacted] Admin Code [redacted] ([redacted]):  The maximum principal balance of the HELOC that may be outstanding at any time was not determined on the date of closing and/or is permitted to change through the term of the HELOC. No appraisal or valuation value used to determine LTV. Unable to determine compliance with [redacted](t)([redacted]) CLTV limitation due to missing appraisal or other evaluation to verify property value/LTV       Reviewer Comment (2024-02-16): Field has been updated. Exception is clear.


Seller Comment (2024-02-15): investor please see pg [redacted] of [redacted] of documents already uploaded to investor
 02/16/2024     1 C A C A C A C A C A   TX Primary Refinance - Cash-out - Other Send the borrower a written notice modifying the amount of the current outstanding principle balance to be the maximum amount agreed upon determined on the date of closing and a written acknowledgement that the lien is valid only in the amount that the extension of credit does not exceed 80% CLTV. C B A A C B A A     Yes
[Redacted] [Redacted] [Redacted] 517 29945926     Credit Income / Employment Income Documentation Income / Employment Income documentation requirements not met.   Borrower is receiving Partnership Income from  [redacted], however Schedule K-1 for [redacted] years and Business tax Returns (1065) for [redacted] years not received.       Reviewer Comment (2024-02-16): Returns provided. Exception is clear.


Seller Comment (2024-02-15): [redacted] years Business Returns uploaded
 02/16/2024     1 C A C A C A C A C A   CO Primary Refinance - Cash-out - Other   C A C A B A A A     No
[Redacted] [Redacted] [Redacted] 517 29945931     Compliance Compliance State Compliance Misc. State Level Colorado Consumer Credit Code (Borrower Written Reason for Loan, Modification, or Refinance Not Provided) [redacted] Consumer Credit Code: Borrower did not provided a written description of reasons for seeking loan, modification, or refinance. The document was provided, but no reason was entered.  "NA" was entered.       Reviewer Comment (2024-02-16): Disclosure provided. Exception is clear.
 02/16/2024     1 B A B A B A B A B A   CO Primary Refinance - Cash-out - Other   C A C A B A A A     No
[Redacted] [Redacted] [Redacted] 524 29944958     Compliance Compliance State Compliance Misc. State Level Colorado Consumer Credit Code (Borrower Written Reason for Loan, Modification, or Refinance Not Provided) [redacted] Consumer Credit Code: Borrower did not provided a written description of reasons for seeking loan, modification, or refinance. Borrower did not provided a written description of reasons for seeking loan, modification, or refinance.       Reviewer Comment (2024-02-16): Disclosure provided. Exception is clear.


Seller Comment (2024-02-15): Initial Disclosure with CO docs uploaded
 02/16/2024     1 B A B A B A B A B A   CO Primary Refinance - Cash-out - Other   C A C A C A A A     No
[Redacted] [Redacted] [Redacted] 524 29944959     Compliance Compliance State Compliance State Defect Colorado Consumer Credit Code (Co-Signer Disclosure Not Provided) [redacted] Consumer Credit Code: Co-signer/guarantor signed the security instrument without receiving a written notice that informs them of their obligations under the loan. Co-signer/guarantor signed the security instrument without receiving a written notice that informs them of their obligations under the loan.       Reviewer Comment (2024-02-16): Disclosure not required. Exception is clear.


Seller Comment (2024-02-15): Initial Disclosure with CO docs uploaded
 02/16/2024     1 C A C A C A C A C A   CO Primary Refinance - Cash-out - Other   C A C A C A A A     No
[Redacted] [Redacted] [Redacted] 524 29944960     Compliance Compliance State Compliance State Defect Colorado Consumer Credit Code (Choice of Insurance and Cost of Insurance Disclosure Not Provided) [redacted] Consumer Credit Code:  Borrower not provided a written statement setting forth the cost of homeowners insurance if obtained from lender and that borrower may choose insurance provider. Borrower not provided a written statement setting forth the cost of homeowners insurance if obtained from lender and that borrower may choose insurance provider.       Reviewer Comment (2024-02-16): Disclosure provided. Exception is clear.


Seller Comment (2024-02-15): Initial Disclosure with CO docs uploaded
 02/16/2024     1 C A C A C A C A C A   CO Primary Refinance - Cash-out - Other   C A C A C A A A     No
[Redacted] [Redacted] [Redacted] 524 29944961     Compliance Compliance State Compliance State Defect Colorado Consumer Credit Code (TILA and Reg Z Disclosures Not Provided) [redacted] Consumer Credit Code:  Lender did not provide all TILA and Reg. Z disclosures (even for loan class exempt from TILA requirements). Lender did not provide all TILA and Reg. Z disclosures (even for loan class exempt from TILA requirements).       Reviewer Comment (2024-02-16): Disclosure provided. Exception is clear.


Seller Comment (2024-02-15): Initial Disclosure with CO docs uploaded
 02/16/2024     1 C A C A C A C A C A   CO Primary Refinance - Cash-out - Other   C A C A C A A A     No
[Redacted] [Redacted] [Redacted] 524 29957858     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - Borrower and Coborrower paystubs ending date with [redacted] are missing for the income calculation.       Reviewer Comment (2024-02-16): Income sufficiently verified. Exception is clear.


Seller Comment (2024-02-15): VOI's were used for income calculation.
 02/16/2024     1 C A C A C A C A C A   CO Primary Refinance - Cash-out - Other   C A C A C A A A     No
[Redacted] [Redacted] [Redacted] 533 29943671     Property Property - Appraisal General Appraisal Requirements Property - Appraisal The transaction closed as a refinance of a primary residence, and the valuation reflects that the subject property is vacant.  Unable to verify occupancy. - Appraisal in file dated [redacted] was prepared for the purchase of subject [redacted] days prior to application date.   At the time of appraisal report was completed, subject owned by Seller of record was appraised vacant.       Reviewer Comment (2024-02-14): Appraisal was from the purchase of the property. Exception is clear.


Seller Comment (2024-02-12): Per appraisal this is a [redacted] not a [redacted] and the [redacted] was [redacted] during the appraisal as the home was on the market for purchase.
 02/14/2024     1 C A C A C A C A C A   FL Primary Refinance - Cash-out - Other   C A A A A A C A     No
[Redacted] [Redacted] [Redacted] 540 29953471     Compliance Compliance State Compliance State Defect (TX50(a)(6)) Texas Cash-out Loan  (No evidence that borrower received copies of all documents signed at closing) [redacted] Constitution Section 50(a)(6):  [redacted] Cash-out Loan.   No evidence that borrower(s) received copies of all documents signed at time of closing.         Reviewer Comment (2024-02-16): Owner's Affidavit of Compliance contains the required verbiage. Exception is clear.


Seller Comment (2024-02-15): Borrowers receive copies of the closing docs at the closing table during signing.
 02/16/2024     1 C A C A C A C A C A   TX Primary Refinance - Cash-out - Other Either Deliver the required documents to the borrower or refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. C A A A C A A A     Yes
[Redacted] [Redacted] [Redacted] 547 29943787     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           02/13/2024     1 C A C A C A C A C A   FL Primary Purchase TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B A A C B A A     Yes
[Redacted] [Redacted] [Redacted] 547 29979779     Compliance Compliance Federal Compliance TILA Right of Rescission Not Provided - Purchase HELOC Notice of Right to Cancel was not provided for HELOC Residential Mortgage Transaction. Notice of Right to Cancel must be provided prior to each subsequent draw.         Reviewer Comment (2025-02-10): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: Notice of Right to Cancel was not provided for [redacted]Residential Mortgage Transaction. Notice of Right to Cancel must be provided prior to each subsequent draw.
       2   B   B   B   B   B   FL Primary Purchase LOE, reopen rescission (new NORTC and new 3-day rescission period) and proof of receipt C B A A C B A A     Yes
[Redacted] [Redacted] [Redacted] 553 29950375     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: -           02/13/2024     1 C A C A C A C A C A   GA Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 553 29950406     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements                 2 B B B B B B B B B B   GA Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 555 29948108     Credit Loan Package Documentation Loan File Missing Document  Missing Document: Hazard Insurance Policy not provided   Hazard Insurance Policy is missing in file.       Reviewer Comment (2024-02-19): Policy provided. Exception is clear.


Seller Comment (2024-02-16): HOI uploaded
 02/19/2024     1 C A C A C A C A C A   MI Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 562 29951666     Compliance Compliance State Compliance Misc. State Level Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided Timely) [redacted] [redacted]: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower within [redacted] business days of  receipt of the loan application.                 2 B B B B B B B B B B   WA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 566 29966446     Compliance Compliance State Compliance Misc. State Level Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided Timely) [redacted]HB [redacted]: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower within [redacted] business days of  receipt of the loan application. [redacted]Disclosure Receipt was provided on [redacted]  [redacted], [redacted] and signed by the borrower on [redacted] [redacted], [redacted]               2 B B B B B B B B B B   WA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 569 29949170     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - VVOE within [redacted] of note date not provided in file.       Reviewer Comment (2024-02-13): VVOE provided. Exception is clear.


Seller Comment (2024-02-09): VVOE uploaded
 02/13/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 569 29949276     Credit Income / Employment Income Documentation Income / Employment Verification(s) of employment is not within [redacted] calendar days of the Note. - VVOE dated within [redacted] of note not provided in file.       Reviewer Comment (2024-02-13): VVOE provided. Exception is clear.


Seller Comment (2024-02-09): VVOE uploaded
 02/13/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 570 29946890     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing. - ___ Mortgage Statement is missing in file.       Reviewer Comment (2024-02-14): Statement provided. Exception is clear.


Seller Comment (2024-02-14): mortgage statement uploaded


Seller Comment (2024-02-13): Borr was purchasing property with  [redacted] funds see page  [redacted] of documents uploaded, LE, HOI, Tax Cert, LOX
 02/14/2024     1 C A C A C A C A C A   WA Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 570 29947094     Compliance Compliance Federal Compliance Missing Disclosure Notice of Special Flood Hazard Disclosure Not Provided Timely FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing.               2 B B B B B B B B B B   WA Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 571 29949235     Compliance Compliance State Compliance Misc. State Level Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided Timely) [redacted] [redacted]: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower within [redacted] business days of  receipt of the loan application.                 2 B B B B B B B B B B   WA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 585 29957292     Credit Hazard Insurance Insufficient Coverage Hazard Insurance The Hazard Insurance Policy Effective Date is after closing.   Hazard Insurance Policy Effective Date [redacted], Disbursement Date: [redacted]       Reviewer Comment (2024-02-16): Previous policy provided. Exception is clear


Seller Comment (2024-02-15): You have both HOI policies the one covering closing and renewal. See page  [redacted] of  [redacted] already uploaded to investor.
 02/16/2024     1 C A C A C A C A C A   GA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 592 29952121     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   VA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 598 29952940     Compliance Compliance Federal Compliance TILA HELOC Fees Used For Testing Truth in Lending Act (HELOC): Fees disclosed on Line of Credit Closing Statement exceed those disclosed in HELOC Agreement. Fees from the Line of Credit Closing Statement are used in any federal, state, and local high cost testing. Fees disclosed on Line of Credit Closing Statement exceed those disclosed in HELOC Agreement.               2 B B B B B B B B B B   NC Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 603 29948760     Credit Loan Package Documentation Closing / Title Missing Document  Missing Document: Security Instrument - Subject Lien not provided           Reviewer Comment (2024-02-16): SI provided. Exception is clear.


Seller Comment (2024-02-15): Security Instrument uploaded
 02/16/2024     1 D A D A D A D A D A   MO Primary Refinance - Cash-out - Other   D A D A B A A A     No
[Redacted] [Redacted] [Redacted] 603 29949072     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements         Reviewer Comment (2024-02-16): SI provided. Exception is clear.
 02/16/2024     1 B A B A B A B A B A   MO Primary Refinance - Cash-out - Other   D A D A B A A A     No
[Redacted] [Redacted] [Redacted] 604 29967456     Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Missing Final 1003           Reviewer Comment (2024-02-14): Final  [redacted] provided. Exception is clear.


Seller Comment (2024-02-13): [redacted] uploaded
 02/14/2024     1 C A C A C A C A C A   AZ Second Home Refinance - Cash-out - Other   D A D A A A A A     No
[Redacted] [Redacted] [Redacted] 604 29967807     Credit Loan Package Documentation Closing / Title Missing Document  Missing Document: Security Instrument - Subject Lien not provided           Reviewer Comment (2024-02-14): SI provided. Exception is clear.


Seller Comment (2024-02-13): Security instrument uploaded
 02/14/2024     1 D A D A D A D A D A   AZ Second Home Refinance - Cash-out - Other   D A D A A A A A     No
[Redacted] [Redacted] [Redacted] 607 29952328     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - Recent paystub or third party verification including income is required to calculate income.       Reviewer Comment (2024-02-16): Income documents provided. Exception is clear.


Seller Comment (2024-02-15): Paystubs and VOI uploaded
 02/16/2024     1 C A C A C A C A C A   MD Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 608 29968098     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - Borrower income is Missing Retirement Documentation for verification includes Social Security award letters and Proof of current receipt.       Reviewer Comment (2024-02-16): Award letter provided. Exception is clear.


Seller Comment (2024-02-15): Please see letters regarding disability. This is permanent.
 02/16/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 613 29952259     Compliance Compliance Federal Compliance TILA HELOC Fees Used For Testing Truth in Lending Act (HELOC): Fees disclosed on Final HUD1 exceed those disclosed in HELOC Agreement. Fees from the Final HUD1 are used in any federal, state, and local high cost testing.                 2 B B B B B B B B B B   UT Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 617 29946759     Compliance Compliance Federal Compliance TILA HELOC Fees Used For Testing Truth in Lending Act (HELOC): Fees disclosed on Line of Credit Closing Statement exceed those disclosed in HELOC Agreement. Fees from the Line of Credit Closing Statement are used in any federal, state, and local high cost testing. Discrepancy due to the following differences: Appraisal Fee is disclosed as $[redacted] on the HELOC Agreement but as $[redacted] on the final Closing Statement; Loan Policy Fee is not disclosed on the HELOC Agreement but as $[redacted]on the final Closing Statement.               2 B B B B B B B B B B   GA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 636 29951081     Credit Guideline Guideline Issue Guideline Borrower has been on current job less than [redacted] years, and prior employment history was not documented as required. - Missing prior employment VVOE, required [redacted] year verification.       Reviewer Comment (2024-02-19): Employment history has been sufficiently verified. Exception is clear.


Seller Comment (2024-02-16): Pages [redacted] contain [redacted]  [redacted] showing history.
 02/19/2024     1 C A C A C A C A C A   NE Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 647 29954334     Credit Guideline Guideline Issue Guideline Borrower has been on current job less than [redacted] years, and prior employment history was not documented as required. -         Reviewer Comment (2024-02-26): Employment has been sufficiently verified. Exception is clear.


Seller Comment (2024-02-23): [redacted]  uploaded


Reviewer Comment (2024-02-19): The only  [redacted] provided that matches the borrower LOX pertaining to her employers is the [redacted]  [redacted] from [redacted] that corresponds with the [redacted] employer. We are missing the W2 from [redacted] for [redacted] as stated in the letter as well as the additional  [redacted] from the different payroll companies for [redacted] as stated by the borrower. The  [redacted] provided from [redacted] do not appear to correspond with the employers stated.


Seller Comment (2024-02-16): Pages [redacted] contain W2's from prior employment.
 02/26/2024     1 C A C A C A C A C A   NV Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 657 29954112     Credit Income / Employment Income Documentation Income / Employment Income documentation requirements not met.   Income documentation requirements not met because the file is missing the required 4506-C at closing for borrower.       Reviewer Comment (2024-02-15): [redacted]  provided. Exception is clear.


Seller Comment (2024-02-15): INVALID please see pgs [redacted] already uploaded to investor
 02/15/2024     1 C A C A C A C A C A   NJ Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 680 29955146     Credit Credit Miscellaneous Guideline Credit Exception:   Evidence of release or subordination required for UCC filing from [redacted] on title.       Reviewer Comment (2024-02-14): Confirmed fixture filing. Exception is clear.


Seller Comment (2024-02-13): LOX uploaded
 02/14/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Debt Consolidation   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 683 29951019     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act:  Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).       Reviewer Comment (2024-02-16): Signature date updated. Exception is clear.


Seller Comment (2024-02-15): Notice of Right to Cancel date signed  [redacted]  with notice to cancel date initialed of  [redacted] . Enough time is in-between  signing  [redacted] and disbursement  [redacted] .  [redacted]  is after the rescission date of  [redacted] .
 02/16/2024     1 C A C A C A C A C A   MD Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C A A A C A A A     Yes
[Redacted] [Redacted] [Redacted] 683 30006525     Compliance Compliance Federal Compliance TILA TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening. Documents were signed on [redacted] however provided date reflects [redacted]       Reviewer Comment (2024-03-22): Dates updated. Exception is clear.


Seller Comment (2024-03-19): Corrected Closing Documents uploaded, RTC, DOT etc.
 03/22/2024     1   A   A   A   A   A   MD Primary Refinance - Cash-out - Other   C A A A C A A A     No
[Redacted] [Redacted] [Redacted] 683 30006526     Compliance Compliance Federal Compliance TILA TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening. Documents were signed on [redacted] however provided date reflects [redacted]       Reviewer Comment (2024-03-22): Dates updated. Exception is clear.


Seller Comment (2024-03-19): Corrected Closing Documents uploaded, RTC, DOT etc.
 03/22/2024     1   A   A   A   A   A   MD Primary Refinance - Cash-out - Other   C A A A C A A A     No
[Redacted] [Redacted] [Redacted] 685 29957511     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.   Lender used a lower PITIA for the primary residence than shown on the Mortgage statement provided.       Reviewer Comment (2024-02-16): REO has been updated. Exception is clear.


Seller Comment (2024-02-15): [redacted] including PITIA payment in proposed housing and other obligations. total all obligations [redacted]
 02/16/2024     1 C A C A C A C A C A   MA Second Home Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 692 29953076     Compliance Compliance Federal Compliance TILA TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening. "Billing Rights" disclosure not provided to borrower at time of account opening.       Reviewer Comment (2024-02-19): Disclosure provided. Exception is clear.


Seller Comment (2024-02-16): INVALID see page [Redacted]of [Redacted]of documents already uploaded to investor
 02/19/2024     1 C A C A C A C A C A   MD Primary Refinance - Cash-out - Other   C A A A C A A A     No
[Redacted] [Redacted] [Redacted] 697 30011555     Compliance Compliance State Compliance Misc. State Level Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided Timely) [redacted] [redacted]: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower within [redacted] business days of  receipt of the loan application.                 2 B B B B B B B B B B   WA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 698 29976779     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   VA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 699 29998845     Credit Hazard Insurance Document Error Hazard Insurance Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements.   Missing Lender/Servicer as a Second Mortgagee on Hazard Insurance Declaration. Proof of current coverage provided. *Need CSM to override.       Reviewer Comment (2024-02-20): Mortgagee provided. Exception is clear.


Seller Comment (2024-02-19): HOI with Mortgagee
 02/20/2024     1 C A C A C A C A C A   FL Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 708 29993189     Compliance Compliance State Compliance State Defect (TX50(t)(5)) (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal). No appraisal or valuation value used to determine LTV.  Unable to determine compliance with [redacted]50(t)(5) CLTV limitation due to missing appraisal or other evaluation to verify property value/LTV                 2 B B B B B B B B B B   TX Primary Refinance - Cash-out - Other Send the borrower a written acknowledgement that the lien is valid only in the amount that the extension of credit does not exceed the CLTV of 80%. B B A A B B A A     Yes
[Redacted] [Redacted] [Redacted] 708 29993190     Compliance Compliance Federal Compliance Missing Disclosure Notice of Special Flood Hazard Disclosure Not Provided Timely FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing.               2 B B B B B B B B B B   TX Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 712 29978576     Compliance Compliance State Compliance State Defect (TX50(t)(5)) (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal). No appraisal or valuation value used to determine LTV.  Unable to determine compliance with [redacted]50(t)(5) CLTV limitation due to missing appraisal or other evaluation to verify property value/LTV                 2 B B B B B B B B B B   TX Primary Refinance - Cash-out - Debt Consolidation Send the borrower a written acknowledgement that the lien is valid only in the amount that the extension of credit does not exceed the CLTV of 80%. B B A A B B A A     Yes
[Redacted] [Redacted] [Redacted] 715 29986513     Credit System General System Borrower 1003 current address does not match Note address. - Loan file documents Borrower's mailing address as  [redacted].  Owner occupied HELOC secured by  [redacted].       Reviewer Comment (2024-02-19): LOX provided. Exception is clear.


Seller Comment (2024-02-16): Uploaded LOX mailing address
 02/19/2024     1 C A C A C A C A C A   WA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 717 29995318     Compliance Compliance Federal Compliance Missing Application Date Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date.                 2 B B B B B B B B B B   MD Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 719 29979226     Compliance Loan Package Documentation Application / Processing Missing, Incorrect, or Incomplete Final or Initial 1003 Missing Document: Missing Lender's Initial 1003   1003 Initial - Lender's is missing in file.               2 B B B B B B B B B B   TX Primary Refinance - Cash-out - Other   C B A A C B A A     No
[Redacted] [Redacted] [Redacted] 719 29979469     Compliance Compliance State Compliance State Defect (TX50(a)(6)) Texas Cash-out Loan  (Itemization of Points and Fees Not Provided At Least 1 Business Day Prior to Closing - No Waiver) [redacted] Constitution Section 50(a)(6): Final itemized disclosure of fees, points, costs and charges not provided to borrower at least [redacted] business day prior to closing without a waiver. Final itemized disclosure of fees, points, costs and charges not provided to borrower at least [redacted] business day prior to closing without a waiver.       Reviewer Comment (2024-02-19): Closing statement provided. Exception is clear.


Seller Comment (2024-02-16): Closing took place on [Redacted], a CD was sent to the borrower on [Redacted]. Uploaded is the CD and the proof of reception
 02/19/2024     1 C A C A C A C A C A   TX Primary Refinance - Cash-out - Other Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. C B A A C B A A     Yes
[Redacted] [Redacted] [Redacted] 728 29969673     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Approval not provided   Approval document is missing.       Reviewer Comment (2024-02-19): Approval provided. Exception is clear.


Seller Comment (2024-02-16): UWWS Uploaded
 02/19/2024     1 C A C A C A C A C A   NJ Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 732 29994298     Compliance Compliance State Compliance State Defect (TX50(t)(5)) (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal). No appraisal or valuation value used to determine LTV.  Unable to determine compliance with [redacted]50(t)(5) CLTV limitation due to missing appraisal or other evaluation to verify property value/LTV                 2 B B B B B B B B B B   TX Primary Refinance - Cash-out - Other Send the borrower a written acknowledgement that the lien is valid only in the amount that the extension of credit does not exceed the CLTV of 80%. B B A A B B A A     Yes
[Redacted] [Redacted] [Redacted] 735 29969128     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing. - ___ Tax Verification documents are missing for [redacted].       Reviewer Comment (2024-02-20): Tax cert provided. Exception is clear.


Seller Comment (2024-02-19): Tax Bill uploaded
 02/20/2024     1 C A C A C A C A C A   CA Second Home Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 743 29980566     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing. - ___         Reviewer Comment (2024-02-20): Land only. Exception is clear.


Seller Comment (2024-02-19): [Redacted]-[Redacted][Redacted]is a plot of land. There is no HOI
 02/20/2024     1 C A C A C A C A C A   TX Primary Refinance - Cash-out - Other   C A C A C A A A     No
[Redacted] [Redacted] [Redacted] 743 29980645     Compliance Compliance State Compliance State Defect (TX50(a)(6)) Texas Cash-out Loan  (Completed Loan Application Not  Provided At Least 1 Business Day Prior to Closing) [redacted] Constitution Section 50(a)(6): [redacted] Cash-out Loan.  Borrower was not provided copy of Application [redacted] day prior to closing.         Reviewer Comment (2024-02-20): Proof of delivery provided. Exception is clear.


Seller Comment (2024-02-19): [Redacted] CD and proof of reception uploaded
 02/20/2024     1 C A C A C A C A C A   TX Primary Refinance - Cash-out - Other Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. C A C A C A A A     Yes
[Redacted] [Redacted] [Redacted] 743 29980646     Compliance Compliance State Compliance State Defect (TX50(a)(6)) Texas Cash-out Loan  (No evidence that borrower received copies of all documents signed at closing) [redacted] Constitution Section 50(a)(6):  [redacted] Cash-out Loan.   No evidence that borrower(s) received copies of all documents signed at time of closing.         Reviewer Comment (2024-02-20): Owner's Affidavit contains the required verbiage. Exception is clear.


Seller Comment (2024-02-19): borrowers receive a copy of the closing package at the signing table.
 02/20/2024     1 C A C A C A C A C A   TX Primary Refinance - Cash-out - Other Either Deliver the required documents to the borrower or refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. C A C A C A A A     Yes
[Redacted] [Redacted] [Redacted] 743 29980647     Compliance Compliance State Compliance State Defect (TX50(a)(6)) Texas Cash-out Loan  (Loan Not Closed At Office of Lender, Attorney, or Title Company) [redacted] Constitution Section 50(a)(6):  Loan did not close at office of lender, attorney or title company.         Reviewer Comment (2024-02-27): Disclosure provided. Exception is clear.


Seller Comment (2024-02-26): Please re-review. This is invalid, the loan did close in an agents office.
 02/27/2024     1 C A C A C A C A C A   TX Primary Refinance - Cash-out - Other Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. C A C A C A A A     Yes
[Redacted] [Redacted] [Redacted] 743 29980648     Compliance Compliance State Compliance State Defect (TX50(a)(6)) Texas Cash-out Loan  (Itemization of Points and Fees Not Provided At Least 1 Business Day Prior to Closing - No Waiver) [redacted] Constitution Section 50(a)(6): Final itemized disclosure of fees, points, costs and charges not provided to borrower at least one (1) business day prior to closing without a waiver.         Reviewer Comment (2024-02-29): Electronic delivery/receipt day prior to closing sufficiently documented.


Reviewer Comment (2024-02-29): Per our compliance department: [redacted]Constitution Article [Redacted] §[Redacted] (a)([Redacted])(M)(ii) states that " ([Redacted]) an extension of credit that: (M) is closed not before: (ii) [redacted]business day after the date that the owner of the homestead *receives *a copy of the loan application if not previously provided and a final itemized disclosure of the actual fees, points, interest, costs, and charges that will be charged at closing...". The statute is specific in that the owner must RECEIVE the itemization one business day prior to closing. Based on their signature date on the current document, this would support that the owner did not receive until the day of closing. I see they're showing evidence of various documents sent on [Redacted], but that is not evidence of when they were received.


Seller Comment (2024-02-28): LOE showing [Redacted] sent date


Seller Comment (2024-02-28): You would not go off the signed date you should be looking at the sent date, which was [Redacted], we have provided ample proof that is was delivered on [Redacted].


Reviewer Comment (2024-02-27): Proof provided that the fees were issued on [Redacted] however the borrower did not accept/e-sign the disclosure until [Redacted] which was the day of closing. If you have document that was signed prior to this please provide for review.


Seller Comment (2024-02-26): Please re-review. Proof of reception shows that SEQ sent this out on time.


Reviewer Comment (2024-02-20): The Proposed [redacted] Settlement Statement was provided on [Redacted] however it was signed by the borrowers on [Redacted]. Disclosure does not meet the timing requirements. Exception remains open.


Seller Comment (2024-02-19): Please see [Redacted] CD and proof of reception
 02/29/2024     1 C A C A C A C A C A   TX Primary Refinance - Cash-out - Other Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. C A C A C A A A     Yes
[Redacted] [Redacted] [Redacted] 743 29980649     Compliance Compliance State Compliance State Defect (TX50(a)(6)) Texas Cash-out Loan (Lien was created without consent of all owners and owner’s spouse(s)) [redacted] Constitution Section 50(a)(6): Lien was created without consent of all owners and owner's spouse(s).         Reviewer Comment (2024-02-27): Disclosure provided. Exception is clear.


Seller Comment (2024-02-26): Please re-review borrowers received the pre-closing CD and signed the note.
 02/27/2024     1 C A C A C A C A C A   TX Primary Refinance - Cash-out - Other With respect to the non-consent by owner, obtain their consent.  However, with respect to the unsigned note, this could be an issue with the loan generally outside of 50(a)(6).  
(Note: Failure to obtain the consent will result in not having a lien against the property)		 C A C A C A A A     Yes
[Redacted] [Redacted] [Redacted] 743 29980650     Compliance Compliance State Compliance State Defect (TX50(t)(5))  TX Admin Code 153.86(3): maximum principal balance of the HELOC [redacted] Constitution 50(t)(5); [redacted] Admin Code 153.86(3):  The maximum principal balance of the HELOC that may be outstanding at any time was not determined on the date of closing and/or is permitted to change through the term of the HELOC.         Reviewer Comment (2024-02-27): Information has been updated. Exception is clear.


Seller Comment (2024-02-26): On the HELOC Agreement Section nine covers the maximum credit limit terms. The initial draw and max line of credit amount on this loan file were the same amount - $[Redacted].
 02/27/2024     1 C A C A C A C A C A   TX Primary Refinance - Cash-out - Other Send the borrower a written notice modifying the amount of the current outstanding principle balance to be the maximum amount agreed upon determined on the date of closing and a written acknowledgement that the lien is valid only in the amount that the extension of credit does not exceed 80% CLTV. C A C A C A A A     Yes
[Redacted] [Redacted] [Redacted] 743 29980651     Compliance Compliance State Compliance State Defect (TX50(t)(8)(B))  During the repayment period installments are not equal [redacted] Constitution 50(t)(8)(B):  After the period during which the owner may request advances, installments are not substantially equal.         Reviewer Comment (2024-02-20): Information updated. Exception is clear.


Seller Comment (2024-02-19): Loan closed[Redacted] [Redacted]st payment is [Redacted] matures [Redacted], this is all correct
 02/20/2024     1 C A C A C A C A C A   TX Primary Refinance - Cash-out - Other Send the borrower a written notice modifying any other amount, percentage, term, or other provision prohibited by this section to a permitted amount, percentage, term, or other provision and adjusting the account of the borrower to ensure that the borrower is not required to pay more than an amount permitted by this section and is not subject to any other term or provision prohibited by this section. C A C A C A A A     Yes
[Redacted] [Redacted] [Redacted] 743 29980652     Compliance Compliance State Compliance State Defect (TX50(t)(8)(A))  During the advance period installment can be less than the accrued interest [redacted] Constitution 50(t)(8)(A):  During the period during which the owner may request advances, each installment does not equal or exceed the amount of accrued interest         Reviewer Comment (2024-02-27): Information has been updated. Exception is clear.


Seller Comment (2024-02-26): This should clear this exception as well


Seller Comment (2024-02-26): Loan closed [Redacted] 1st payment is [Redacted] matures [Redacted], this is all correct
 02/27/2024     1 C A C A C A C A C A   TX Primary Refinance - Cash-out - Other Send the borrower a written notice modifying any other amount, percentage, term, or other provision prohibited by this section to a permitted amount, percentage, term, or other provision and adjusting the account of the borrower to ensure that the borrower is not required to pay more than an amount permitted by this section and is not subject to any other term or provision prohibited by this section. C A C A C A A A     Yes
[Redacted] [Redacted] [Redacted] 748 29981214     Compliance Compliance Federal Compliance TILA HELOC Fees Used For Testing Truth in Lending Act (HELOC): Fees disclosed on Line of Credit Closing Statement exceed those disclosed in HELOC Agreement. Fees from the Line of Credit Closing Statement are used in any federal, state, and local high cost testing.                 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 749 29991013     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.   Borrower was qualified with monthly pension income of  income of $[redacted] and a DTI of [redacted]%. Per the [redacted] 1040's, the pension income is taxed so it can not be grossed up by [redacted]%.
 Once this correction was made, the monthly pension income is $[redacted] resulting in a DTI of [redacted]%, which exceeds the guideline maximum DTI of [redacted]%.		       Reviewer Comment (2024-02-29): MI has been updated per client. Exception is clear.


Seller Comment (2024-02-28): SEQ agrees the $[Redacted] pension should not have been grossed up. The [Redacted]st mortgage is an FHA mortgage, we are including an MI payment due to the disbursement showing on the mortgage statement. FHA MIP is either paid up front or it is included in the balance of the [Redacted]st mortgage by law. The MIP payment on the mortgage statement is a monthly disbursement, the full MIP cost is included in the principle balance.
 02/29/2024     1 C A C A C A C A C A   NV Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 751 29981130     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on [redacted], prior to [redacted] business days from transaction date of [redacted] [redacted] AM.         Reviewer Comment (2024-02-19): Disbursement date updated. Exception is clear.


Seller Comment (2024-02-16): Please see disbursement summary. Showing transaction date of [Redacted]
 02/19/2024     1 C A C A C A C A C A   PA Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C A A A C A A A     Yes
[Redacted] [Redacted] [Redacted] 757 29981262     Compliance Compliance Federal Compliance TILA HELOC Fees Used For Testing Truth in Lending Act (HELOC): Fees disclosed on Line of Credit Closing Statement exceed those disclosed in HELOC Agreement. Fees from the Line of Credit Closing Statement are used in any federal, state, and local high cost testing.                 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 760 29975446     Compliance Compliance State Compliance Misc. State Level Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided Timely) [redacted] [redacted]: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower within [redacted] business days of  receipt of the loan application.                 2 B B B B B B B B B B   WA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 764 29981650     Credit Guideline Guideline Issue Guideline Borrower has been on current job less than [redacted] years, and prior employment history was not documented as required. - Verification of Employment reflects a start date of [redacted] but the borrower provided a [redacted] W-2 for the same Employer.       Reviewer Comment (2024-02-26): Received VVOE confirming the start date mention on [Redacted]. Exception cleared.


Seller Comment (2024-02-23): VOE start date is [redacted]


Reviewer Comment (2024-02-23): Documentation provided does not satisfy the condition. [Redacted] now reflects a start date of [redacted] and the VVOE reflects [redacted]. Assuming this is a typo however we still do not have a [redacted] year employment history verified. If the correct start date is in [redacted] then we need borrowers previous employer/ employment verification to verify [redacted] full years. Exception remains open.


Seller Comment (2024-02-22): corrected voe and [Redacted] uploaded


Reviewer Comment (2024-02-21): Updated VVOE now reflects start date in [redacted]. Please provide updated employment information as the VVOE does not reflect a [redacted] year employment history. The Final [Redacted] reflects a start date of [redacted] however that was not confirmed with the documentation provided. Exception remains open.


Seller Comment (2024-02-20): Corrected voe form uploaded
 02/26/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 765 29981760     Compliance Compliance State Compliance State Defect (TX50(t)(5))  CLTV exceeds 80% of the value [redacted] Constitution Section 50(t)(5): CLTV of [redacted]% exceeds [redacted]% of $[redacted] (the value reflected on valuation).         Reviewer Comment (2024-02-20): Cure documentation received.


Seller Comment (2024-02-19): Letter and proof of mailing uploaded
   02/20/2024   2 C B C B C B C B C B   TX Primary Refinance - Cash-out - Other Send the borrower a written acknowledgement that the lien is valid only in the amount that the extension of credit does not exceed the CLTV of 80%. C B A A C B A A     Yes
[Redacted] [Redacted] [Redacted] 767 29981556     Compliance Compliance State Compliance State Defect (TX50(a)(6)) Texas Cash-out Loan  (Acknowledgment of Fair Market Value Disclosure Not Provided) [redacted] Constitution Section 50(a)(6): Borrower did not receive written "Acknowledgment of the Fair Market Value" of homestead property securing loan. The file is missing a copy of [redacted] - Fair Market Acknowledgment       Reviewer Comment (2024-02-22): Disclosure provided. Exception is clear.


Seller Comment (2024-02-21): Fair Market document uploaded
 02/22/2024     1 C A C A C A C A C A   TX Primary Refinance - Cash-out - Other To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents and obtain an executed copy; OR, (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.  Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. C B A A C B A A     Yes
[Redacted] [Redacted] [Redacted] 767 29981557     Compliance Compliance State Compliance State Defect (TX50(a)(6)) Texas Cash-out Loan  (Itemization of Points and Fees Not Provided At Least 1 Business Day Prior to Closing - No Waiver) [redacted] Constitution Section 50(a)(6): Final itemized disclosure of fees, points, costs and charges not provided to borrower at least [redacted] business day prior to closing without a waiver. [redacted]- itemized disclosure of fees was not provided to borrower at least one (1) business day prior to closing.       Reviewer Comment (2024-02-22): Disclosure provided. Exception is clear.


Seller Comment (2024-02-21): [Redacted] CD upload and proof of reception.
 02/22/2024     1 C A C A C A C A C A   TX Primary Refinance - Cash-out - Other Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. C B A A C B A A     Yes
[Redacted] [Redacted] [Redacted] 767 29991717     Compliance Compliance State Compliance State Defect (TX50(a)(6)) Texas Cash-out Loan  (No evidence that borrower received copies of all documents signed at closing) [redacted] Constitution Section 50(a)(6):  [redacted] Cash-out Loan.   No evidence that borrower(s) received copies of all documents signed at time of closing.         Reviewer Comment (2024-02-22): Owner's Affidavit of Compliance contains the required verbiage. Exception is clear.


Seller Comment (2024-02-21): Borrowers receive copies of the closing package at the signing table.
 02/22/2024     1 C A C A C A C A C A   TX Primary Refinance - Cash-out - Other Either Deliver the required documents to the borrower or refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. C B A A C B A A     Yes
[Redacted] [Redacted] [Redacted] 767 29991718     Compliance Compliance State Compliance Misc. State Level (TX50(a)(6)) Texas Cash-out Loan  (Other Debt) [redacted] Constitution Section 50(a)(6): [redacted] 50(a)(6) prohibits other debt secured by the homestead unless the purpose of additional debt is one described under [redacted] 50(a)(1)-(5) or (8). Unable to determine purpose of additional debt secured by the homestead.                 2 B B B B B B B B B B   TX Primary Refinance - Cash-out - Other Confirm whether additional debt on the subject property is a Texas 50(a)(6) or 50(a)(7) prior to Remediating.  Notify consumer the accrual of interest and other obligations will be abated so long as the prior 50(a)(6) or (7) is secured by the homestead C B A A C B A A     Yes
[Redacted] [Redacted] [Redacted] 768 30023835     Compliance Compliance Federal Compliance Missing, Incorrect, or Incomplete Note TILA HELOC - Credit Agreement Missing Truth in Lending Act (HELOC): Credit Agreement not provided to borrower Heloc agreement is required.       Reviewer Comment (2024-02-23): Disclosure provided. Exception is clear.


Seller Comment (2024-02-22): HELOC Agreement
 02/23/2024     1 D A D A D A D A D A   IA Primary Refinance - Cash-out - Other   D B A A D B A A     No
[Redacted] [Redacted] [Redacted] 768 30023836     Compliance Compliance Federal Compliance TILA TILA HELOC - Billing Rights Disclosure Missing  Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower. Heloc agreement is required.       Reviewer Comment (2024-02-23): Disclosure provided. Exception is clear.


Seller Comment (2024-02-22): Billings Rights Disclosure uploaded
 02/23/2024     1 C A C A C A C A C A   IA Primary Refinance - Cash-out - Other   D B A A D B A A     No
[Redacted] [Redacted] [Redacted] 768 30023837     Compliance Compliance Federal Compliance State Late Charge (Missing Data) Late Charge Late Charge Type was not provided.  Any applicable Federal, State or Local compliance testing is unreliable. Heloc agreement is required.       Reviewer Comment (2024-02-23): Disclosure provided. Exception is clear.


Seller Comment (2024-02-22): HELOC agreement uploaded
 02/23/2024     1 C A C A C A C A C A   IA Primary Refinance - Cash-out - Other   D B A A D B A A     No
[Redacted] [Redacted] [Redacted] 768 30023896     Compliance Compliance Federal Compliance TILA HELOC Fees Used For Testing Truth in Lending Act (HELOC): Fees disclosed on Line of Credit Closing Statement exceed those disclosed in HELOC Agreement. Fees from the Line of Credit Closing Statement are used in any federal, state, and local high cost testing. Heloc agreement is required.               2 B B B B B B B B B B   IA Primary Refinance - Cash-out - Other   D B A A D B A A     No
[Redacted] [Redacted] [Redacted] 776 29982187     Credit Loan Eligibility Guideline Issue Loan Eligibility Housing history reflects lates that do not meet guidelines. - Housing history reflects a total of ___ reported late payments. Borrower has [redacted] late payment in housing in last [redacted] months (Late Date [redacted]).       Reviewer Comment (2024-02-20): Lates have been confirmed. Exception is clear.


Seller Comment (2024-02-19): HELOC housing history guidelines allow for [redacted]. Other lates are outside of [redacted] months.
 02/20/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 781 29982917     Compliance Compliance State Compliance State Defect (TX50(a)(6)) Texas Cash-out Loan  (Itemization of Points and Fees Not Provided At Least 1 Business Day Prior to Closing - No Waiver) [redacted] Constitution [readcted] : Final itemized disclosure of fees, points, costs and charges not provided to borrower at least  business day prior to closing without a waiver.         Reviewer Comment (2024-02-22): Disclosure provided. Exception is clear.


Seller Comment (2024-02-21): [Redacted] CD and Proof of Reception uploaded
 02/22/2024     1 C A C A C A C A C A   TX Primary Refinance - Cash-out - Other Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. C B A A C B A A     Yes
[Redacted] [Redacted] [Redacted] 781 29982919     Compliance Compliance State Compliance Misc. State Level (TX50(a)(6)) Texas Cash-out Loan  (Other Debt) [redacted] Constitution Section  [redacted] ) prohibits other debt secured by the homestead unless the purpose of additional debt is one described under [redacted] . Unable to determine purpose of additional debt secured by the homestead.                 2 B B B B B B B B B B   TX Primary Refinance - Cash-out - Other Confirm whether additional debt on the subject property is a Texas 50(a)(6) or 50(a)(7) prior to Remediating.  Notify consumer the accrual of interest and other obligations will be abated so long as the prior 50(a)(6) or (7) is secured by the homestead C B A A C B A A     Yes
[Redacted] [Redacted] [Redacted] 781 29982920     Compliance Compliance State Compliance State Defect (TX50(t)(5)) (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal). No appraisal or valuation value used to determine LTV.  Unable to determine compliance with [redacted]CLTV limitation due to missing appraisal or other evaluation to verify property value/LTV                 2 B B B B B B B B B B   TX Primary Refinance - Cash-out - Other Send the borrower a written acknowledgement that the lien is valid only in the amount that the extension of credit does not exceed the CLTV of 80%. C B A A C B A A     Yes
[Redacted] [Redacted] [Redacted] 782 29981434     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   FL Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 787 30012596     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing. -         Reviewer Comment (2024-02-23): REO documents provided. Exception is clear.


Seller Comment (2024-02-22): Mortgage Statement and tax bill uploaded
 02/23/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 787 30042790     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.           Reviewer Comment (2024-03-04): Inspection provided. Exception is clear.


Seller Comment (2024-03-04): No Damage
 03/04/2024     1   A   A   A   A   A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 788 29982112     Compliance Compliance Federal Compliance TILA HELOC Fees Used For Testing Truth in Lending Act (HELOC): Fees disclosed on Line of Credit Closing Statement exceed those disclosed in HELOC Agreement. Fees from the Line of Credit Closing Statement are used in any federal, state, and local high cost testing.                 2 B B B B B B B B B B   SC Primary Refinance - Cash-out - Debt Consolidation   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 788 29982113     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements                 2 B B B B B B B B B B   SC Primary Refinance - Cash-out - Debt Consolidation   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 788 29982130     Credit Insurance Insurance Analysis Insurance Hazard Insurance Policy expires within 90 days of the Note Date.           Reviewer Comment (2025-02-07): Acceptable per guides.
 02/07/2025     1 B A B A B A B A B A   SC Primary Refinance - Cash-out - Debt Consolidation   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 788 29982152     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.             02/22/2024     1 C A C A C A C A C A   SC Primary Refinance - Cash-out - Debt Consolidation   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 789 29981276     Compliance Compliance Federal Compliance TILA HELOC Fees Used For Testing Truth in Lending Act (HELOC): Fees disclosed on Final HUD1 exceed those disclosed in HELOC Agreement. Fees from the Final HUD1 are used in any federal, state, and local high cost testing.                 2 B B B B B B B B B B   WA Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 789 29981277     Compliance Compliance State Compliance Misc. State Level Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided Timely) [redacted] [redacted]: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower within [redacted] business days of  receipt of the loan application.                 2 B B B B B B B B B B   WA Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 789 29996958     Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor Qualifying Residual income discrepancy.             02/28/2024     1 C A C A C A C A C A   WA Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 790 29982980     Compliance Compliance State Compliance State Defect Colorado Consumer Credit Code (Choice of Insurance and Cost of Insurance Disclosure Not Provided) [redacted] Consumer Credit Code:  Borrower not provided a written statement setting forth the cost of homeowners insurance if obtained from lender and that borrower may choose insurance provider.         Reviewer Comment (2024-02-20): Disclosure provided. Exception is clear.


Seller Comment (2024-02-19): INVALID see page [redacted] documents uploaded to investor


Seller Comment (2024-02-19): [redacted] insurance Disclosure uploaded
 02/20/2024     1 C A C A C A C A C A   CO Primary Refinance - Cash-out - Other   C A A A C A A A     No
[Redacted] [Redacted] [Redacted] 790 29983530     Compliance Compliance State Compliance State Defect Colorado Consumer Credit Code (TILA and Reg Z Disclosures Not Provided) [redacted] Consumer Credit Code:  Lender did not provide all TILA and Reg. Z disclosures (even for loan class exempt from TILA requirements).         Reviewer Comment (2024-02-20): Disclosure provided. Exception is clear.


Seller Comment (2024-02-19): INVALID see page [redacted] Pre Closing Settlement Statement provided ( CD for HELOC)
 02/20/2024     1 C A C A C A C A C A   CO Primary Refinance - Cash-out - Other   C A A A C A A A     No
[Redacted] [Redacted] [Redacted] 792 29983977     Credit System General Appraisal Reconciliation Valuation address does not match Note address. - Address Zip code on AVM is not matching with Note address zip code.       Reviewer Comment (2024-02-19): Verified correct address present on AVM. Exception is clear.


Seller Comment (2024-02-16): Please see bottom left of Page [redacted] on AVM. This shows the correct address. The top address is the address provided by the customer, but the bottom left confirms the correct address was used.
 02/19/2024     1 C A C A C A C A C A   FL Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 796 29981887     Compliance Compliance State Compliance State Defect (TX50(a)(6)) Texas Cash-out Loan  (Loan Not Closed At Office of Lender, Attorney, or Title Company) [redacted] Constitution Section [readcted]   Loan did not close at office of lender, attorney or title company. Loan did not close at office of lender, attorney or title company.       Reviewer Comment (2024-02-20): Information updated. Exception is clear.


Seller Comment (2024-02-19): INVALID please see pg [Redacted] of [Redacted] loan closed at [Redacted] Title
 02/20/2024     1 C A C A C A C A C A   TX Primary Refinance - Cash-out - Other Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. C B A A C B A A     Yes
[Redacted] [Redacted] [Redacted] 796 29981888     Compliance Compliance State Compliance State Defect (TX50(a)(6)) Texas Cash-out Loan  (Itemization of Points and Fees Not Provided At Least 1 Business Day Prior to Closing - No Waiver) [redacted] Constitution Section [readcted] : Final itemized disclosure of fees, points, costs and charges not provided to borrower at least [readcted]  business day prior to closing without a waiver. Final itemized disclosure of fees, points, costs and charges not provided to borrower at least [readcted] business day prior to closing without a waiver.       Reviewer Comment (2024-02-20): Information updated. Exception is clear.


Seller Comment (2024-02-19): Pre-Closing HELOC Settlement Statement signed [Redacted]
 02/20/2024     1 C A C A C A C A C A   TX Primary Refinance - Cash-out - Other Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. C B A A C B A A     Yes
[Redacted] [Redacted] [Redacted] 796 29981889     Compliance Compliance State Compliance Misc. State Level (TX50(a)(6)) Texas Cash-out Loan  (Other Debt) [redacted] Constitution Section [readcted] : [redacted]  prohibits other debt secured by the homestead unless the purpose of additional debt is one described under [redacted] . Unable to determine purpose of additional debt secured by the homestead. prohibits other debt secured by the homestead unless the purpose of additional debt is one described under [redacted]  Unable to determine purpose of additional debt secured by the homestead.               2 B B B B B B B B B B   TX Primary Refinance - Cash-out - Other Confirm whether additional debt on the subject property is a Texas 50(a)(6) or 50(a)(7) prior to Remediating.  Notify consumer the accrual of interest and other obligations will be abated so long as the prior 50(a)(6) or (7) is secured by the homestead C B A A C B A A     Yes
[Redacted] [Redacted] [Redacted] 796 29981893     Compliance Compliance State Compliance State Defect (TX50(t)(7))  HELOC Agreement allows the lender amend the extension of credit [redacted] Constitution [readcted] ):  HELOC Agreement includes provision permitting lender or holder to unilaterally amend the extension of credit. HELOC Agreement includes provision permitting lender or holder to unilaterally amend the extension of credit.       Reviewer Comment (2024-02-20): Information updated. Exception is clear.


Seller Comment (2024-02-19): What section of the HELOC agreement do you have an issue with? There is not a provision that allows us as the lender to unilaterally amend the extension of credit.
 02/20/2024     1 C A C A C A C A C A   TX Primary Refinance - Cash-out - Other Send the borrower a written notice modifying the HELOC Agreement to provide that the agreement does not permit the lender to unilaterally amend the extension of credit and adjust the account of the borrower to ensure that the borrower is not subject to any other term or provision prohibited by Texas law. C B A A C B A A     Yes
[Redacted] [Redacted] [Redacted] 797 30019854     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Approval not provided   Approval document is missing       Reviewer Comment (2024-02-22): Approval document received and verified. Exception Cleared


Seller Comment (2024-02-21): Loan approval
 02/22/2024     1 C A C A C A C A C A   TX Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 797 30020455     Compliance Compliance State Compliance State Defect (TX50(t)(5)) (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal). No appraisal or valuation value used to determine LTV.  Unable to determine compliance with [redacted] CLTV limitation due to missing appraisal or other evaluation to verify property value/LTV                 2 B B B B B B B B B B   TX Primary Refinance - Cash-out - Other Send the borrower a written acknowledgement that the lien is valid only in the amount that the extension of credit does not exceed the CLTV of 80%. C B C A B B A A     Yes
[Redacted] [Redacted] [Redacted] 803 29982769     Credit Insurance Insurance Analysis Insurance Hazard Insurance Policy expires within 90 days of the Note Date.           Reviewer Comment (2025-02-07): Acceptable per guides.
 02/07/2025     1 B A B A B A B A B A   WA Primary Refinance - Cash-out - Other   B B B A B B A A     No
[Redacted] [Redacted] [Redacted] 803 29982798     Compliance Compliance State Compliance Misc. State Level Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided Timely) [redacted] [redacted]: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower within [redacted] business days of  receipt of the loan application.                 2 B B B B B B B B B B   WA Primary Refinance - Cash-out - Other   B B B A B B A A     No
[Redacted] [Redacted] [Redacted] 807 29983163     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on [redacted], prior to [redacted] business days from transaction date of [redacted]. Subject loan transaction disbursed on [redacted], prior to [redacted] business days from transaction date of [redacted]       Reviewer Comment (2024-02-19): Disbursement date has been updated. Exception is clear.


Seller Comment (2024-02-16): Please see disbursement summary. Transaction dates show [redacted]
 02/19/2024     1 C A C A C A C A C A   AZ Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C A A A C A A A     Yes
[Redacted] [Redacted] [Redacted] 814 29998234     Compliance Compliance Federal Compliance Missing Disclosure Notice of Special Flood Hazard Disclosure Not Provided Timely FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing.                 2 B B B B B B B B B B   LA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 815 29984061     Compliance Compliance State Compliance Misc. State Level Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided Timely) [redacted] [redacted]: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower within [redacted] business days of  receipt of the loan application.                 2 B B B B B B B B B B   WA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 829 30023222     Credit Insurance Insurance Analysis Insurance Hazard Insurance Policy expires within 90 days of the Note Date.           Reviewer Comment (2025-02-07): Acceptable per guides.
 02/07/2025     1 B A B A B A B A B A   NJ Primary Refinance - Cash-out - Other   B A B A A A A A     No
[Redacted] [Redacted] [Redacted] 834 30021273     Compliance Compliance State Compliance Misc. State Level Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided Timely) [readcted] : Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower within three  [redacted] business days of  receipt of the loan application. Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower within three [redacted] business days of receipt of the loan application.               2 B B B B B B B B B B   WA Primary Refinance - Cash-out - Other   C B A A C B A A     No
[Redacted] [Redacted] [Redacted] 834 30021274     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on  [redacted], prior to three  [redacted]) business days from transaction date of [redacted]  [redacted] AM. Subject loan transaction disbursed on  [redacted], prior to [redacted] business days from transaction date of  [redacted]       Reviewer Comment (2024-03-21): Disbursement date has been updated. Exception is clear.


Seller Comment (2024-03-19): INVALID-Disbursement was on [Redacted], not [Redacted] please see uploaded Disbursement Summary


Reviewer Comment (2024-03-18): The expiration date on the Right to Cancel is [Redacted] which is the same as the disbursement date. Eligible disbursement date is [Redacted]. Exception remains open.


Seller Comment (2024-03-14): INVALID [Redacted] closing date with a [Redacted] disbursement date is correct. There is [Redacted] business days in between. [Redacted] are included.
 03/21/2024     1 C A C A C A C A C A   WA Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B A A C B A A     Yes
[Redacted] [Redacted] [Redacted] 836 30137100     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on  [redacted], prior to three (3) business days from transaction date of  [redacted]  [redacted]. Subject loan transaction disbursed on  [redacted]       Reviewer Comment (2024-03-18): Disbursement date updated. Exception is clear.


Seller Comment (2024-03-14): Please see Disbursement Summary on page [Redacted]. The disbursement date is [Redacted], not [Redacted]
 03/18/2024     1 C A C A C A C A C A   AZ Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C A A A C A A A     Yes
[Redacted] [Redacted] [Redacted] 842 30138152     Credit Hazard Insurance Insufficient Coverage Hazard Insurance The Hazard Insurance Policy Effective Date is after closing.   Hazard Policy with effecti date of [redacted] and the Note date is[redacted].       Reviewer Comment (2024-03-22): Exception Cleared, Updated Hazard Insurance Policy is received.


Seller Comment (2024-03-20): corrected hoi uploaded through closing date
 03/22/2024     1 C A C A C A C A C A   PA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 844 30108674     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.   Missing Post Disaster Inspection (PDI)       Reviewer Comment (2024-03-21): Exception Cleared - Post Disaster Inspection received data updated as per document and associated the same.


Seller Comment (2024-03-20): PDI
 03/21/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 846 30110558     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.   The property is located in a FEMA disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after  [redacted] declared end date.       Reviewer Comment (2024-03-21): Received Property inspection report with No Damage. Exception cleared.


Seller Comment (2024-03-19): No Damage
 03/21/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 851 30111498     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.   Need a post disaster property inspection report showing no damage to the subject property.       Reviewer Comment (2024-03-15): Property Disaster report received, exception cleared


Seller Comment (2024-03-14): PDI uploaded
 03/15/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 852 30113871     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   FL Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 853 30114171     Compliance Compliance State Compliance State Defect Maryland Ability to Repay Not Verified [redacted]:  File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate, if applicable.                 2 B B B B B B B B B B   MD Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 853 30114306     Compliance Compliance Federal Compliance TILA HELOC Fees Used For Testing Truth in Lending Act (HELOC): Fees disclosed on Line of Credit Closing Statement exceed those disclosed in HELOC Agreement. Fees from the Line of Credit Closing Statement are used in any federal, state, and local high cost testing.                 2 B B B B B B B B B B   MD Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 856 30115344     Compliance Compliance Federal Compliance TILA HELOC Fees Used For Testing Truth in Lending Act (HELOC): Fees disclosed on Line of Credit Closing Statement exceed those disclosed in HELOC Agreement. Fees from the Line of Credit Closing Statement are used in any federal, state, and local high cost testing. Fees disclosed on Line of Credit Closing Statement exceed those disclosed in HELOC Agreement. Fees from the Line of Credit Closing Statement are used in any federal, state, and local high cost testing.               2 B B B B B B B B B B   MD Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 858 30111464     Credit Hazard Insurance Insufficient Coverage Hazard Insurance The Hazard Insurance Policy effective date is after the funds disbursed.   Hazard Insurance Policy Effective Date is after the later of the disbursement, note or transaction date.       Reviewer Comment (2024-03-21): Exception Cleared - [Redacted] year hazard insurance policy is available in file which covers note date, data updated as per provided document.


Seller Comment (2024-03-20): Page [Redacted] contains current HOI with mortgagee.
 03/21/2024     1 C A C A C A C A C A   NV Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 861 30114530     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - Award Letter / Continuance Letter is Missing.       Reviewer Comment (2024-03-15): Received award letter for borrower. Exception cleared.


Seller Comment (2024-03-15): SS award letter uploaded


Reviewer Comment (2024-03-15): Exception remains: Social Security Award letter is missing in the file


Seller Comment (2024-03-14): INVALID- Pension award letter already uploaded to investor documents [redacted]. Pension award letter states LIFE Income.
 03/15/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 861 30114588     Credit Income / Employment Income Documentation Income / Employment Income documentation requirements not met.   Award Letter is Missing.       Reviewer Comment (2024-03-15): Received award letter for borrower. Exception cleared.


Seller Comment (2024-03-15): SS award letter uploaded


Reviewer Comment (2024-03-15): Exception remains: Social Security Award letter is missing in the file


Seller Comment (2024-03-14): INVALID- Pension award letter already uploaded to investor documents [redacted]. Pension award letter states LIFE Income.
 03/15/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 868 30148964     Compliance Loan Package Documentation Application / Processing Missing, Incorrect, or Incomplete Final or Initial 1003 Missing Document: Missing Lender's Initial 1003                   2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 869 30115347     Compliance Compliance State Compliance Misc. State Level Colorado Consumer Credit Code (Borrower Written Reason for Loan, Modification, or Refinance Not Provided) [redacted] Consumer Credit Code: Borrower did not provided a written description of reasons for seeking loan, modification, or refinance.           03/18/2024     1 B A B A B A B A B A   CO Primary Refinance - Cash-out - Other   C B A A C B A A     No
[Redacted] [Redacted] [Redacted] 869 30115348     Compliance Compliance State Compliance Misc. State Level Colorado Home Loan (Ability to Repay not Verified) [redacted] Home Loan ([redacted]):  File does not contain evidence that broker performed an analysis of borrower's ability to repay based on verified income, obligations, assets, and/or employment.                 2 B B B B B B B B B B   CO Primary Refinance - Cash-out - Other   C B A A C B A A     No
[Redacted] [Redacted] [Redacted] 869 30115349     Compliance Compliance State Compliance State Defect Colorado Consumer Credit Code (TILA and Reg Z Disclosures Not Provided) [redacted] Consumer Credit Code:  Lender did not provide all TILA and Reg. Z disclosures (even for loan class exempt from TILA requirements).           03/18/2024     1 C A C A C A C A C A   CO Primary Refinance - Cash-out - Other   C B A A C B A A     No
[Redacted] [Redacted] [Redacted] 870 30136808     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.           Reviewer Comment (2024-03-21): Received Property inspection report with No Damage. Exception cleared.


Seller Comment (2024-03-20): PDI uploaded


Seller Comment (2024-03-19): No Damage
 03/21/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 876 30136857     Credit Guideline Guideline Issue Guideline Aged document: Primary Valuation is older than guidelines permit -         Reviewer Comment (2024-03-18): Exception is clear.


Seller Comment (2024-03-14): INVALID- Report has been completed within [redacted] months of settlement date
 03/18/2024     1 C A C A C A C A C A   CO Primary Refinance - Cash-out - Other   C A C A C A A A     No
[Redacted] [Redacted] [Redacted] 876 30136947     Compliance Compliance State Compliance State Defect Colorado Consumer Credit Code (Choice of Insurance and Cost of Insurance Disclosure Not Provided) [redacted] Consumer Credit Code:  Borrower not provided a written statement setting forth the cost of homeowners insurance if obtained from lender and that borrower may choose insurance provider.         Reviewer Comment (2024-03-18): Disclosure provided. Exception is clear.


Seller Comment (2024-03-14): INVALID- see page [redacted] documents already uploaded to investor
 03/18/2024     1 C A C A C A C A C A   CO Primary Refinance - Cash-out - Other   C A C A C A A A     No
[Redacted] [Redacted] [Redacted] 876 30136948     Compliance Compliance State Compliance State Defect Colorado Consumer Credit Code (TILA and Reg Z Disclosures Not Provided) [redacted] Consumer Credit Code:  Lender did not provide all TILA and Reg. Z disclosures (even for loan class exempt from TILA requirements).         Reviewer Comment (2024-03-18): Disclosure provided. Exception is clear.


Seller Comment (2024-03-14): INVALID- See page [redacted] ( HELOC Settlement Statement) of [redacted] of of documents already uploaded to investor. For a HELOC this is the Pre-Closing CD and this was provided [redacted] .
 03/18/2024     1 C A C A C A C A C A   CO Primary Refinance - Cash-out - Other   C A C A C A A A     No
[Redacted] [Redacted] [Redacted] 876 30148591     Compliance Compliance State Compliance Misc. State Level Colorado Consumer Credit Code (Borrower Written Reason for Loan, Modification, or Refinance Not Provided) [redacted] Consumer Credit Code: Borrower did not provided a written description of reasons for seeking loan, modification, or refinance. Signed, dated document missing from file.       Reviewer Comment (2024-03-18): Disclosure provided. Exception is clear.
 03/18/2024     1 B A B A B A B A B A   CO Primary Refinance - Cash-out - Other   C A C A C A A A     No
[Redacted] [Redacted] [Redacted] 880 30139172     Compliance Compliance State Compliance Misc. State Level Colorado Consumer Credit Code (Borrower Written Reason for Loan, Modification, or Refinance Not Provided) [readcted] Consumer Credit Code: Borrower did not provided a written description of reasons for seeking loan, modification, or refinance.         Reviewer Comment (2024-03-18): Disclosure provided. Exception is clear.


Seller Comment (2024-03-14): INVALID: See page [Redacted] of [Redacted] of documents already uploaded to investor
 03/18/2024     1 B A B A B A B A B A   CO Primary Refinance - Cash-out - Other   C A A A C A A A     No
[Redacted] [Redacted] [Redacted] 880 30139173     Compliance Compliance State Compliance State Defect Colorado Consumer Credit Code (Co-Signer Disclosure Not Provided) [readcted] Consumer Credit Code: Co-signer/guarantor signed the security instrument without receiving a written notice that informs them of their obligations under the loan.         Reviewer Comment (2024-03-18): Disclosure provided. Exception is clear.


Seller Comment (2024-03-14): Uploaded Settlement Statement Terms delivered to borrower [Redacted], [Redacted] & [Redacted]
 03/18/2024     1 C A C A C A C A C A   CO Primary Refinance - Cash-out - Other   C A A A C A A A     No
[Redacted] [Redacted] [Redacted] 880 30139174     Compliance Compliance State Compliance State Defect Colorado Consumer Credit Code (Choice of Insurance and Cost of Insurance Disclosure Not Provided) [readcted]  Consumer Credit Code:  Borrower not provided a written statement setting forth the cost of homeowners insurance if obtained from lender and that borrower may choose insurance provider.         Reviewer Comment (2024-03-18): Disclosure provided. Exception is clear.


Seller Comment (2024-03-14): INVALID: Please see page [Redacted] of [Redacted] of documents already uploaded to investor.
 03/18/2024     1 C A C A C A C A C A   CO Primary Refinance - Cash-out - Other   C A A A C A A A     No
[Redacted] [Redacted] [Redacted] 880 30139175     Compliance Compliance State Compliance State Defect Colorado Consumer Credit Code (TILA and Reg Z Disclosures Not Provided) [readcted] Consumer Credit Code:  Lender did not provide all TILA and Reg. Z disclosures (even for loan class exempt from TILA requirements).         Reviewer Comment (2024-03-18): Disclosure provided. Exception is clear.


Seller Comment (2024-03-14): Uploaded Settlement Statement Terms delivered to borrower [Redacted], [Redacted] & [Redacted]
 03/18/2024     1 C A C A C A C A C A   CO Primary Refinance - Cash-out - Other   C A A A C A A A     No
[Redacted] [Redacted] [Redacted] 889 30134622     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: ___                 
Disaster End Date: ___
Disaster Name: ___
Disaster Declaration Date: ___		         Reviewer Comment (2024-03-22): Property inspection report provided. Exception cleared


Seller Comment (2024-03-19): No Damage
 03/22/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 891 30135628     Compliance Compliance State Compliance State Defect (TX50(a)(6)) Texas Cash-out Loan  (Itemization of Points and Fees Not Provided At Least 1 Business Day Prior to Closing - No Waiver) [readcted]  Constitution Section [readcted] : Final itemized disclosure of fees, points, costs and charges not provided to borrower at least [readcted]  business day prior to closing without a waiver. Final itemized disclosure of fees, points, costs and charges not provided to borrower at least one (1) business day prior to closing without a waiver       Reviewer Comment (2024-03-29): E-consent provided. Exception is clear.


Seller Comment (2024-03-28): Pre-Closing Package & LOX uploaded showing delivered and e-signed [redacted].


Reviewer Comment (2024-03-27): All of the documents provided only verify that the disclosure was issued on [redacted] which does not meet the requirements. The screenshot of date processed does not confirm receipt nor does it verify that the disclosure was included in that package. Proof of receipt by the borrower was not provided. If you have something verifying the borrower received the document on [redacted] then please provide for review.


Seller Comment (2024-03-26): INVALID uploaded LOX Pre-Closing CD Delivered again


Reviewer Comment (2024-03-25): Part of the requirement is verification of when the borrower received the document. Disclosures provided in the file are not executed to verify receipt within timing requirements. Exception remains open.


Seller Comment (2024-03-20): Pre- Closing Package uploaded and delivery date of [Redacted]
 03/29/2024     1 C A C A C A C A C A   TX Primary Refinance - Cash-out - Other Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. C A A A C A A A     Yes
[Redacted] [Redacted] [Redacted] 892 30132538     Compliance Compliance State Compliance Misc. State Level (TX50(a)(6)) Texas Cash-out Loan  (Other Debt) [readcted] Constitution Section 50(a)(6):   [redacted](a) [redacted] prohibits other debt secured by the homestead unless the purpose of additional debt is one described under   [redacted](a) [redacted] or (8). Unable to determine purpose of additional debt secured by the homestead. [readcted] Constitution Section [readcted]  prohibits other debt secured by the homestead unless the purpose of additional debt is one described unde[readcted] . Unable to determine purpose of additional debt secured by the homestead.               2 B B B B B B B B B B   TX Primary Refinance - Cash-out - Other Confirm whether additional debt on the subject property is a Texas 50(a)(6) or 50(a)(7) prior to Remediating.  Notify consumer the accrual of interest and other obligations will be abated so long as the prior 50(a)(6) or (7) is secured by the homestead B B A A B B A A     Yes
[Redacted] [Redacted] [Redacted] 895 30144430     Compliance Compliance State Compliance State Defect (TX50(t)(5)) (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal). No appraisal or valuation value used to determine LTV.  Unable to determine compliance with  [redacted](t) [redacted] CLTV limitation due to missing appraisal or other evaluation to verify property value/LTV No appraisal or valuation value used to determine LTV. AVM was used for value.               2 B B B B B B B B B B   TX Primary Refinance - Cash-out - Other Send the borrower a written acknowledgement that the lien is valid only in the amount that the extension of credit does not exceed the CLTV of 80%. B B A A B B A A     Yes
[Redacted] [Redacted] [Redacted] 897 30113037     Compliance Compliance State Compliance Misc. State Level Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided Timely) [redacted] [redacted]: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower within [redacted] business days of  receipt of the loan application.                 2 B B B B B B B B B B   WA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 902 30148713     Credit Hazard Insurance Insufficient Coverage Hazard Insurance The Hazard Insurance Policy Effective Date is after closing.             03/15/2024     1 C A C A C A C A C A   CT Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 903 30135906     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.           Reviewer Comment (2024-03-15): Property inspection report received. Exception cleared


Seller Comment (2024-03-14): PDI uploaded
 03/15/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 905 30134554     Compliance Compliance State Compliance Misc. State Level Colorado Consumer Credit Code (Borrower Written Reason for Loan, Modification, or Refinance Not Provided) [redacted] Consumer Credit Code: Borrower did not provided a written description of reasons for seeking loan, modification, or refinance.         Reviewer Comment (2024-03-18): Disclosure provided. Exception is clear.
 03/18/2024     1 B A B A B A B A B A   CO Primary Refinance - Cash-out - Other   C A A A C A A A     No
[Redacted] [Redacted] [Redacted] 905 30134555     Compliance Compliance State Compliance State Defect Colorado Consumer Credit Code (Co-Signer Disclosure Not Provided) [redacted] Consumer Credit Code: Co-signer/guarantor signed the security instrument without receiving a written notice that informs them of their obligations under the loan. Missing the [redacted] second Lien Co-signer Disclosure.       Reviewer Comment (2024-03-18): Disclosure not required. Exception is clear.


Seller Comment (2024-03-14): Invalid Finding - This is a HELOC, title only borrower only signs the Mortgage.
 03/18/2024     1 C A C A C A C A C A   CO Primary Refinance - Cash-out - Other   C A A A C A A A     No
[Redacted] [Redacted] [Redacted] 905 30134556     Compliance Compliance State Compliance State Defect Colorado Consumer Credit Code (Choice of Insurance and Cost of Insurance Disclosure Not Provided) [redacted] Consumer Credit Code:  Borrower not provided a written statement setting forth the cost of homeowners insurance if obtained from lender and that borrower may choose insurance provider. Missing [redacted] second Lien cost of insurance disclosure.       Reviewer Comment (2024-03-18): Disclosure provided. Exception is clear.


Seller Comment (2024-03-14): Page [redacted] contains disclosure.
 03/18/2024     1 C A C A C A C A C A   CO Primary Refinance - Cash-out - Other   C A A A C A A A     No
[Redacted] [Redacted] [Redacted] 906 30134772     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.           Reviewer Comment (2024-03-15): Property inspection report received. Exception cleared.


Seller Comment (2024-03-14): PDI uploaded
 03/15/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 908 30148714     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.   Per guidelines max DTI  [redacted]% for all scenarios, except, when FICO [redacted] and residual $ [redacted] DTI may be  [redacted]%.       Reviewer Comment (2024-03-18): Guideline requirements have been updated. Exception is clear.


Reviewer Comment (2024-03-15): Median score is [redacted] and DTI updated from guideline considering median score. Exception remains.


Seller Comment (2024-03-14): [redacted]
 03/18/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 911 30139674     Compliance Compliance State Compliance Misc. State Level Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided Timely) [readcted]   [redacted]: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower within three [redacted] business days of  receipt of the loan application. Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower within three business days of receipt of the loan application.               2 B B B B B B B B B B   WA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 913 30143556     Compliance Compliance State Compliance Misc. State Level Colorado Consumer Credit Code (Borrower Written Reason for Loan, Modification, or Refinance Not Provided) [redacted] Consumer Credit Code: Borrower did not provided a written description of reasons for seeking loan, modification, or refinance. Borrower did not provided a written description of reasons for seeking loan, modification, or refinance.       Reviewer Comment (2024-03-18): Disclosure provided. Exception is clear.
 03/18/2024     1 B A B A B A B A B A   CO Primary Refinance - Cash-out - Other   C A A A C A A A     No
[Redacted] [Redacted] [Redacted] 913 30143557     Compliance Compliance State Compliance State Defect Colorado Consumer Credit Code (Choice of Insurance and Cost of Insurance Disclosure Not Provided) [redacted] Consumer Credit Code:  Borrower not provided a written statement setting forth the cost of homeowners insurance if obtained from lender and that borrower may choose insurance provider. Borrower not provided a written statement setting forth the cost of homeowners insurance if obtained from lender and that borrower may choose insurance provider.       Reviewer Comment (2024-03-18): Disclosure provided. Exception is clear.


Seller Comment (2024-03-14): Page [redacted] of uploaded docs contains [redacted] disclosure
 03/18/2024     1 C A C A C A C A C A   CO Primary Refinance - Cash-out - Other   C A A A C A A A     No
[Redacted] [Redacted] [Redacted] 913 30143558     Compliance Compliance State Compliance State Defect Colorado Consumer Credit Code (Second Lien Credit Score Disclosure Not Provided Timely) [redacted] Consumer Credit Code: Credit Score disclosure not provided to borrower within [redacted] days of receipt from credit reporting agency. Credit Score disclosure not provided to borrower within [redacted] days of receipt from credit reporting agency.       Reviewer Comment (2024-03-18): Disclosure provided. Exception is clear.


Seller Comment (2024-03-14): Page [redacted] has the credit score disclosure.
 03/18/2024     1 C A C A C A C A C A   CO Primary Refinance - Cash-out - Other   C A A A C A A A     No
[Redacted] [Redacted] [Redacted] 913 30143559     Compliance Compliance State Compliance State Defect Colorado Consumer Credit Code (TILA and Reg Z Disclosures Not Provided) [redacted] Consumer Credit Code:  Lender did not provide all TILA and Reg. Z disclosures (even for loan class exempt from TILA requirements). Lender did not provide all TILA and Reg. Z disclosures       Reviewer Comment (2024-03-18): Disclosure provided. Exception is clear.


Seller Comment (2024-03-14): Proposed HELOC settlement statement is on page [redacted] of provided docs.
 03/18/2024     1 C A C A C A C A C A   CO Primary Refinance - Cash-out - Other   C A A A C A A A     No
[Redacted] [Redacted] [Redacted] 919 30154990     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - ___         Reviewer Comment (2024-03-25): [redacted] income amount considered from Schedule [redacted] of business tax returns [redacted] of FY [redacted]. Exception cleared.


Seller Comment (2024-03-21): Tax Returns on page [redacted] show [redacted] income
 03/25/2024     1 C A C A C A C A C A   NJ Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 925 30133642     Compliance Compliance State Compliance Misc. State Level Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided Timely) [redacted][redacted]: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower within [redacted] business days of  receipt of the loan application.                 2 B B B B B B B B B B   WA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 929 30137320     Compliance Compliance Federal Compliance TILA HELOC Fees Used For Testing Truth in Lending Act (HELOC): Fees disclosed on Line of Credit Closing Statement exceed those disclosed in HELOC Agreement. Fees from the Line of Credit Closing Statement are used in any federal, state, and local high cost testing.                 2 B B B B B B B B B B   MO Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 937 30134240     Compliance Compliance State Compliance Misc. State Level Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) [redacted] Consumer Sales Practices Act:  Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit.                 2 B B B B B B B B B B   OH Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 942 30102628     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on [redacted], prior to [redacted] business days from transaction date of [redacted].           03/18/2024     1 C A C A C A C A C A   FL Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B B B C A A A     Yes
[Redacted] [Redacted] [Redacted] 942 30102682     Credit Property - Appraisal General Appraisal Requirements Property - Appraisal Valuation Error: Neighborhood/project name not provided. -                 2 B B B B B B B B B B   FL Primary Refinance - Cash-out - Other   C B B B C A A A     No
[Redacted] [Redacted] [Redacted] 947 30103349     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Approval not provided   Approval is required to mitgate this exception.       Reviewer Comment (2024-03-14): Exception Cleared: Approval received.


Seller Comment (2024-03-12): Approval uploaded
 03/14/2024     1 C A C A C A C A C A   FL Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 948 30107200     Compliance Compliance Federal Compliance TILA HELOC Fees Used For Testing Truth in Lending Act (HELOC): Fees disclosed on Line of Credit Closing Statement exceed those disclosed in HELOC Agreement. Fees from the Line of Credit Closing Statement are used in any federal, state, and local high cost testing.                 2 B B B B B B B B B B   GA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 949 30105378     Compliance Compliance State Compliance Misc. State Level Colorado Consumer Credit Code (Borrower Written Reason for Loan, Modification, or Refinance Not Provided) [redacted] Consumer Credit Code: Borrower did not provided a written description of reasons for seeking loan, modification, or refinance. Borrower did not provided a written description of reasons for seeking loan, modification, or refinance.       Reviewer Comment (2024-03-12): Exception has been cleared.  Disclosure was provided.
 03/12/2024     1 B A B A B A B A B A   CO Primary Refinance - Cash-out - Other   C A A A C A A A     No
[Redacted] [Redacted] [Redacted] 949 30105379     Compliance Compliance State Compliance State Defect Colorado Consumer Credit Code (Choice of Insurance and Cost of Insurance Disclosure Not Provided) [redacted] Consumer Credit Code:  Borrower not provided a written statement setting forth the cost of homeowners insurance if obtained from lender and that borrower may choose insurance provider. Borrower not provided a written statement setting forth the cost of homeowners insurance if obtained from lender and that borrower may choose insurance provider.       Reviewer Comment (2024-03-12): Exception has been cleared.  Disclosure was provided.


Seller Comment (2024-03-12): Page [redacted] of docs contains document
 03/12/2024     1 C A C A C A C A C A   CO Primary Refinance - Cash-out - Other   C A A A C A A A     No
[Redacted] [Redacted] [Redacted] 949 30105380     Compliance Compliance State Compliance State Defect Colorado Consumer Credit Code (TILA and Reg Z Disclosures Not Provided) [redacted] Consumer Credit Code:  Lender did not provide all TILA and Reg. Z disclosures (even for loan class exempt from TILA requirements). Lender did not provide all TILA and Reg. Z disclosures (even for loan class exempt from TILA       Reviewer Comment (2024-03-12): Exception has been cleared.  TILA and Reg [redacted] disclosures were provided timely.


Seller Comment (2024-03-12): Initial Disclosure with [redacted] docs
 03/12/2024     1 C A C A C A C A C A   CO Primary Refinance - Cash-out - Other   C A A A C A A A     No
[Redacted] [Redacted] [Redacted] 952 30104623     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. Rate lock date not provided.               2 B B B B B B B B B B   TX Primary Refinance - Cash-out - Other   C B A A C B A A     No
[Redacted] [Redacted] [Redacted] 952 30104624     Compliance Compliance Federal Compliance Missing Disclosure Notice of Special Flood Hazard Disclosure Not Provided Timely [Redacted]Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing.               2 B B B B B B B B B B   TX Primary Refinance - Cash-out - Other   C B A A C B A A     No
[Redacted] [Redacted] [Redacted] 952 30104626     Compliance Compliance State Compliance State Defect (TX50(a)(6)) Texas Cash-out Loan  (Itemization of Points and Fees Not Provided At Least 1 Business Day Prior to Closing - No Waiver) [readcted]  Constitution Section [Redacted](a)([Redacted]): Final itemized disclosure of fees, points, costs and charges not provided to borrower at least one ([Redacted]) business day prior to closing without a waiver. Final itemized disclosure of fees, points, costs and charges not provided to borrower at least one  business day prior to closing without a waiver.       Reviewer Comment (2024-04-19): Client attests that the [redacted] Agreement with fees charged at closing was issued and acknowledged by the borrower the required [redacted] day before closing. Exception is clear.


Seller Comment (2024-04-17): LOX uploaded showing the document that was sent and acknowledged via IP address captured and sent on [redacted]. The new terms were received [redacted] hours prior to closing.


Reviewer Comment (2024-04-10): The screenshot provided does not verify that the fee disclosure was included in the document distribution highlighted. The screenshot appears to state a CD was issued. Although CDs are not required on HELOCs, if there was one issued on [redacted] and the fees align with the final agreement then we can accept this document. Exception remains open pending receipt of additional information.


Seller Comment (2024-04-08): BWR acknowledged the document on [redacted]


Reviewer Comment (2024-03-21): Document issued on [redacted] is not valid because the fees changed. As far as the document issued on redacted]- the disclosure has to not only be issued prior to closing but it must also be acknowledged by the borrower. The signature on the disclosure is the same day as closing which does not meet the timing requirements.


Seller Comment (2024-03-19): Uploaded LOX


Reviewer Comment (2024-03-18): Document stated was issued on [redacted] however is was signed by the borrower on [redacted] which does not meet the timing requirements. Exception remains open.


Seller Comment (2024-03-12): INVALID see page [redacted] of [redacted] of documents already uploaded to investor Settlement Statement Terms delivered [redacted] (date top right hand corner of disclosure)
 04/19/2024     1 C A C A C A C A C A   TX Primary Refinance - Cash-out - Other Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. C B A A C B A A     Yes
[Redacted] [Redacted] [Redacted] 955 30110359     Compliance Compliance State Compliance Misc. State Level Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided Timely) [redacted][redacted]: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower within [redacted] business days of  receipt of the loan application.                 2 B B B B B B B B B B   WA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 958 30105561     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing. - Required Insurance Verification for [Redacted], all REO properties to verify.       Reviewer Comment (2024-03-18): Land only. No insurance. Exception is clear.


Seller Comment (2024-03-18): Please see properties. These are all vacant land


Reviewer Comment (2024-03-15): Tax bill does not specify properties are Land only. Require evidence for the all REO properties. Exception remains


Seller Comment (2024-03-14): Please see tax bills for each property on pages [redacted]. Showing that these are just plots of land.


Reviewer Comment (2024-03-14): Exception remains: Please provide proof for each property to confirm that these are land only plot.


Seller Comment (2024-03-12): These are all plots of land. They do not have insurance.
 03/18/2024     1 C A C A C A C A C A   TX Primary Refinance - Cash-out - Other   C B C A C B A A     No
[Redacted] [Redacted] [Redacted] 958 30105773     Compliance Compliance State Compliance State Defect (TX50(a)(6)) Texas Cash-out Loan  (Itemization of Points and Fees Not Provided At Least 1 Business Day Prior to Closing - No Waiver) [readcted] Constitution Section [Redacted](a)([Redacted]): Final itemized disclosure of fees, points, costs and charges not provided to borrower at least one ([Redacted]) business day prior to closing without a waiver.         Reviewer Comment (2024-03-18): Disclosure provided. Exception is clear.


Seller Comment (2024-03-13): Pre-Closing [redacted] settlement statement was sent on [redacted].
 03/18/2024     1 C A C A C A C A C A   TX Primary Refinance - Cash-out - Other Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. C B C A C B A A     Yes
[Redacted] [Redacted] [Redacted] 958 30105776     Compliance Compliance State Compliance State Defect (TX50(t)(5)) (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal). No appraisal or valuation value used to determine LTV.  Unable to determine compliance with [Redacted](t)([Redacted]) CLTV limitation due to missing appraisal or other evaluation to verify property value/LTV                 2 B B B B B B B B B B   TX Primary Refinance - Cash-out - Other Send the borrower a written acknowledgement that the lien is valid only in the amount that the extension of credit does not exceed the CLTV of 80%. C B C A C B A A     Yes
[Redacted] [Redacted] [Redacted] 958 30113973     Compliance Compliance State Compliance Misc. State Level (TX50(a)(6)) Texas Cash-out Loan  (Other Debt) [readcted]  Constitution Section [Redacted](a)([Redacted]):  [Redacted](a)([Redacted]) prohibits other debt secured by the homestead unless the purpose of additional debt is one described under [Redacted](a)([Redacted])-([Redacted]) or ([Redacted]). Unable to determine purpose of additional debt secured by the homestead.                 2 B B B B B B B B B B   TX Primary Refinance - Cash-out - Other Confirm whether additional debt on the subject property is a Texas 50(a)(6) or 50(a)(7) prior to Remediating.  Notify consumer the accrual of interest and other obligations will be abated so long as the prior 50(a)(6) or (7) is secured by the homestead C B C A C B A A     Yes
[Redacted] [Redacted] [Redacted] 959 30109487     Credit Hazard Insurance Insufficient Coverage Hazard Insurance The Hazard Insurance Policy effective date is after the funds disbursed.           Reviewer Comment (2024-03-13): Exception Cleared, Hazard Insurance Policy within Note date is received.


Seller Comment (2024-03-12): HOI uploaded
 03/13/2024     1 C A C A C A C A C A   CA Second Home Refinance - Cash-out - Other   C A C A C A A A     No
[Redacted] [Redacted] [Redacted] 959 30112699     Compliance Compliance Federal Compliance Missing Required Data (other than HUD-1 or Note) Disparity in Occupancy - Not Tested As Primary The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of [Redacted]Home).  Determination has not been made as to whether the loan would be High Cost and/or HPML if ran as a Primary Residence. The initial and final application reflects the borrowers intent to occupy the subject property as their primary residence under Section [Redacted] Question A.  Approval indicates second home.       Reviewer Comment (2024-03-18): Revised [redacted] provided. Exception is clear.


Seller Comment (2024-03-12): [redacted] Uploaded
 03/18/2024     1 C A C A C A C A C A   CA Second Home Refinance - Cash-out - Other   C A C A C A A A     No
[Redacted] [Redacted] [Redacted] 959 30112755     Credit Loan Package Documentation Application / Processing Loan Package Documentation Mismatch of data related to Occupancy. - The initial and final application reflects the borrowers intent to occupy the subject property as their primary residence under Section [Redacted] Question A.  Approval indicates [Redacted]home.       Reviewer Comment (2024-03-18): Revised [redacted]provided. Exception is clear.


Seller Comment (2024-03-12): [redacted] Uploaded
 03/18/2024     1 C A C A C A C A C A   CA Second Home Refinance - Cash-out - Other   C A C A C A A A     No
[Redacted] [Redacted] [Redacted] 962 30112788     Credit Hazard Insurance Document Error Hazard Insurance Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements.   Haz dec page does not list the lender as the loss payee as required for Wholesale loans.       Reviewer Comment (2024-03-18): Mortgagee provided. Exception is clear.


Seller Comment (2024-03-14): Page [redacted] contains HOI with Loss Payee
 03/18/2024     1 C A C A C A C A C A   GA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 966 30145407     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.   The property is located in a FEMA disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [redacted] declared end date.       Reviewer Comment (2024-03-22): Exception Cleared: Property disaster inspection report received.


Seller Comment (2024-03-20): PDI uploaded
 03/22/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 967 30178006     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Approval not provided             03/22/2024     1 C A C A C A C A C A   FL Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 967 30178151     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   FL Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 971 30224908     Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Missing Final [Redacted]   Signed and dated final application is missing.       Reviewer Comment (2024-04-09): Exception cleared: Signed final [redacted] received


Seller Comment (2024-04-05): Signed v uploaded. Title had to get a copy signed post closing


Reviewer Comment (2024-04-04): Exception Remains - Provided [redacted] is not signed by borrower, Required signed [redacted] on note date.


Seller Comment (2024-04-04): Signed [redacted] Page uploaded
 04/09/2024     1 C A C A C A C A C A   NJ Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 972 30235355     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   VA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 982 30319340     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.   The subject property is located in FEMA disaster area. A post-disaster inspection verifying there was no damage to the subject property is required.       Reviewer Comment (2024-04-15): Property inspection report received. Details verified and updated. Exception cleared.


Seller Comment (2024-04-12): No damage [redacted] uploaded
 04/15/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 986 30178315     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.           Reviewer Comment (2024-03-21): Received Post Disaster Inspection report, hence cleared the exception.


Seller Comment (2024-03-19): No Damage
 03/21/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 996 30194548     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.   Calculated investor qualifying total debt ratio of  [redacted]% exceeds Guideline total debt ratio of  [redacted]%. File is missing Liability Exclusion documents for the Auto Loan Account omitted on the Approval.       Reviewer Comment (2024-04-01): Debts have been updated. Exception is clear.


Seller Comment (2024-04-01): Student loans are installment loans. No additional documentation is required.


Reviewer Comment (2024-03-28): Exception remains as this is an education loan will be considered as student loan therefore, we will require document for excluding this from dti calculation.


Seller Comment (2024-03-28): [redacted] is an installment loan with a balance of $[redacted] and payment of $[redacted] = [redacted] payments remaining.


Reviewer Comment (2024-03-27): Exception Remains -  Per Approval document [redacted] "Student Loans" $[redacted], was excluded in DTI calculation. Required supporting document to satisfying this condition.


Seller Comment (2024-03-26): I was able to cure the finding and get the dti back inline to be eligible. The borrower has a [redacted] Card included in the dti which is an authorized user account and is not required to be included. With the auto loan added back the dti is now [redacted].  I updated the worksheet and uploaded it to BS. Also BS is updated.
 04/01/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 997 30183031     Compliance Compliance Federal Compliance TILA TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "[Redacted]" disclosure not provided to borrower at time of account opening.         Reviewer Comment (2024-03-26): Disclosure has been updated. Exception is clear.


Seller Comment (2024-03-22): INVALID see page [redacted] documents already uploaded to investor
 03/26/2024     1 C A C A C A C A C A   SC Primary Refinance - Cash-out - Other   C A A A C A A A     No
[Redacted] [Redacted] [Redacted] 1002 30184341     Compliance Loan Package Documentation Application / Processing Missing, Incorrect, or Incomplete Final or Initial 1003 Missing Document: Missing Lender's Initial 1003                   2 B B B B B B B B B B   WA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 1002 30190136     Compliance Compliance State Compliance Misc. State Level Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided Timely) [redacted] [redacted]: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower within [redacted] business days of  receipt of the loan application.                 2 B B B B B B B B B B   WA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 1011 30183493     Compliance Compliance Federal Compliance TILA HELOC Fees Used For Testing Truth in Lending Act (HELOC): Fees disclosed on Line of Credit Closing Statement exceed those disclosed in HELOC Agreement. Fees from the Line of Credit Closing Statement are used in any federal, state, and local high cost testing.                 2 B B B B B B B B B B   VA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 1011 30183494     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   VA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 1016 30188698     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements                 2 B B B B B B B B B B   GA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 1020 30188247     Compliance Compliance State Compliance Misc. State Level Colorado Consumer Credit Code (Borrower Written Reason for Loan, Modification, or Refinance Not Provided) [redacted] Consumer Credit Code: Borrower did not provided a written description of reasons for seeking loan, modification, or refinance. [readcted]  - Loan Purpose Disclosure is missing in file.       Reviewer Comment (2024-03-25): Disclosure provided. Exception is clear.
 03/25/2024     1 B A B A B A B A B A   CO Primary Refinance - Cash-out - Other   C A A A C A A A     No
[Redacted] [Redacted] [Redacted] 1020 30188249     Compliance Compliance State Compliance State Defect Colorado Consumer Credit Code (Choice of Insurance and Cost of Insurance Disclosure Not Provided) [redacted] Consumer Credit Code:  Borrower not provided a written statement setting forth the cost of homeowners insurance if obtained from lender and that borrower may choose insurance provider. [redacted] Second Lien Cost of Insurance Disclosure is missing in file.       Reviewer Comment (2024-03-25): Disclosure provided. Exception is clear.


Seller Comment (2024-03-20): INVALID- see pg [redacted] of documents already uploaded to investor
 03/25/2024     1 C A C A C A C A C A   CO Primary Refinance - Cash-out - Other   C A A A C A A A     No
[Redacted] [Redacted] [Redacted] 1021 30184069     Compliance Compliance State Compliance State Defect Maryland Ability to Repay Not Verified [readcted]  SB[Redacted]:  File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate, if applicable. File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate               2 B B B B B B B B B B   MD Primary Refinance - Cash-out - Debt Consolidation   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 1028 30201670     Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor Qualifying Residual income discrepancy.             03/29/2024     1 C A C A C A C A C A   SC Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1028 30201671     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline AUS/Guideline Findings: All conditions were not met             03/29/2024     1 C A C A C A C A C A   SC Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1030 30189896     Compliance Compliance State Compliance Misc. State Level Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided Timely) [redacted] [redacted]: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower within [redacted] business days of  receipt of the loan application.                 2 B B B B B B B B B B   WA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 1036 30184502     Compliance Compliance Federal Compliance TILA HELOC Fees Used For Testing Truth in Lending Act (HELOC): Fees disclosed on Line of Credit Closing Statement exceed those disclosed in HELOC Agreement. Fees from the Line of Credit Closing Statement are used in any federal, state, and local high cost testing.                 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 1037 30181108     Credit Insurance Insurance Analysis Insurance Hazard Insurance Policy expires within 90 days of the Note Date.           Reviewer Comment (2025-02-07): Acceptable per guides.
 02/07/2025     1 B A B A B A B A B A   IL Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1037 30181120     Credit Guideline Guideline Issue Guideline Borrower has been on current job less than 2 years, and prior employment history was not documented as required. -           03/22/2024     1 C A C A C A C A C A   IL Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1045 30205702     Compliance Compliance State Compliance Misc. State Level Colorado Consumer Credit Code (Borrower Written Reason for Loan, Modification, or Refinance Not Provided) [redacted]  Consumer Credit Code: Borrower did not provided a written description of reasons for seeking loan, modification, or refinance.         Reviewer Comment (2024-04-09): Disclosure provided. Exception is clear.
 04/09/2024     1 B A B A B A B A B A   CO Primary Refinance - Cash-out - Other   C A A A C A A A     No
[Redacted] [Redacted] [Redacted] 1045 30205703     Compliance Compliance State Compliance State Defect Colorado Consumer Credit Code (Choice of Insurance and Cost of Insurance Disclosure Not Provided) [redacted]  Consumer Credit Code:  Borrower not provided a written statement setting forth the cost of homeowners insurance if obtained from lender and that borrower may choose insurance provider.         Reviewer Comment (2024-04-09): Disclosure provided. Exception is clear.


Seller Comment (2024-04-05): INVALID- Please see pg [redacted] of documents already uploaded to investor
 04/09/2024     1 C A C A C A C A C A   CO Primary Refinance - Cash-out - Other   C A A A C A A A     No
[Redacted] [Redacted] [Redacted] 1048 30337741     Credit Missing Document General Missing Document Incomplete Document: Note - Subject Lien is incomplete   HELOC Agreement incomplete due to missing pages [redacted].       Reviewer Comment (2024-04-19): HELOC Agreement provided. Exception is clear.


Seller Comment (2024-04-17): HELOC Agreement uploaded
 04/19/2024     1 D A D A D A D A D A   NC Primary Refinance - Cash-out - Debt Consolidation   D A D A D A A A     No
[Redacted] [Redacted] [Redacted] 1048 30337748     Compliance Compliance Federal Compliance TILA Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements due to HELOC Agreement incomplete due to missing pages [redacted]/       Reviewer Comment (2024-04-19): HELOC Agreement provided. Exception is clear.


Seller Comment (2024-04-17): HELOC Agreement uploaded
 04/19/2024     1 C A C A C A C A C A   NC Primary Refinance - Cash-out - Debt Consolidation   D A D A D A A A     No
[Redacted] [Redacted] [Redacted] 1048 30337749     Compliance Compliance Federal Compliance Missing, Incorrect, or Incomplete Note TILA HELOC - Credit Agreement Missing Truth in Lending Act (HELOC): Credit Agreement not provided to borrower Credit Agreement not provided to borrower as HELOC agreement is missing due to HELOC Agreement incomplete due to missing pages [redacted].       Reviewer Comment (2024-04-19): HELOC Agreement provided. Exception is clear.


Seller Comment (2024-04-17): HELOC Agreement uploaded
 04/19/2024     1 D A D A D A D A D A   NC Primary Refinance - Cash-out - Debt Consolidation   D A D A D A A A     No
[Redacted] [Redacted] [Redacted] 1048 30337750     Compliance Compliance Federal Compliance TILA TILA HELOC - Billing Rights Disclosure Missing  Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower. "Billing Rights" disclosure not provided to borrower due to HELOC Agreement incomplete due to missing pages [redacted].       Reviewer Comment (2024-04-19): HELOC Agreement provided. Exception is clear.


Seller Comment (2024-04-17): HELOC Agreement uploaded
 04/19/2024     1 C A C A C A C A C A   NC Primary Refinance - Cash-out - Debt Consolidation   D A D A D A A A     No
[Redacted] [Redacted] [Redacted] 1048 30337753     Compliance Compliance Federal Compliance TILA TILA HELOC - Tax Advisor Statement Missing Truth in Lending Act (HELOC): Creditor did not provide statement that the consumer should consult a tax advisor. Creditor did not provide statement that the consumer should consult a tax advisor due to HELOC Agreement incomplete due to missing pages [redacted].       Reviewer Comment (2024-04-19): HELOC Agreement provided. Exception is clear.


Seller Comment (2024-04-17): HELOC Agreement uploaded
 04/19/2024     1 C A C A C A C A C A   NC Primary Refinance - Cash-out - Debt Consolidation   D A D A D A A A     No
[Redacted] [Redacted] [Redacted] 1048 30337754     Compliance Compliance Federal Compliance TILA TILA HELOC - Impermissible Provision on HELOC Agreement Truth in Lending Act (HELOC): Agreement contains provision allowing creditor to unilaterally change terms of plan for impermissible circumstances. Agreement contains provision allowing creditor to unilaterally change terms of plan for impermissible circumstances due to HELOC Agreement incomplete due to missing pages [redacted].       Reviewer Comment (2024-04-19): HELOC Agreement provided. Exception is clear.


Seller Comment (2024-04-17): HELOC Agreement uploaded
 04/19/2024     1 C A C A C A C A C A   NC Primary Refinance - Cash-out - Debt Consolidation   D A D A D A A A     No
[Redacted] [Redacted] [Redacted] 1048 30337757     Compliance Compliance Federal Compliance TILA HELOC Method for Determining Minimum Periodic Payment HELOC Agreement does not disclose how the minimum periodic payment will be determined and the timing of the payments. HELOC Agreement does not disclose how the minimum periodic payment will be determined and the timing of the payments due to HELOC Agreement incomplete due to missing pages [redacted].       Reviewer Comment (2024-04-19): HELOC Agreement provided. Exception is clear.


Seller Comment (2024-04-17): HELOC Agreement uploaded
 04/19/2024     1 C A C A C A C A C A   NC Primary Refinance - Cash-out - Debt Consolidation   D A D A D A A A     No
[Redacted] [Redacted] [Redacted] 1050 30206390     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.   Unable to determine variance.  [redacted] FICO required to go to [redacted]% DTI. Subject is [redacted].       Reviewer Comment (2024-03-26): As per available document in file DTI re-validated and Now DTI In line under [redacted]%. Exception Cleared.


Seller Comment (2024-03-25): Please re-review. DTI from [redacted] is under [redacted]%
 03/26/2024     1 C A C A C A C A C A   GA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1052 30305654     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Approval not provided   Approval is not provided.       Reviewer Comment (2024-04-11): Approval received, exception cleared.


Seller Comment (2024-04-09): approval uploaded
 04/11/2024     1 C A C A C A C A C A   FL Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1054 30206798     Credit Insurance Insurance Analysis Insurance Hazard Insurance policy does not list "Lender its successors and assigns", per guideline requirements.                   2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A A A     No
[Redacted] [Redacted] [Redacted] 1056 30210433     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   VA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 1062 30220702     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: -         Reviewer Comment (2024-04-08): Award letter provided exception cleared.


Seller Comment (2024-04-05): Please see SSA Award and Pension Award. Both are lifetime.
 04/08/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1063 30219974     Compliance Compliance Federal Compliance TILA TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening. Disclosure acknowleged [redacted] after [redacted] closing date.       Reviewer Comment (2024-04-11): Transaction date has been updated. Exception is clear.


Seller Comment (2024-04-09): Please see recorded corrected mortgage uploaded


Reviewer Comment (2024-04-08): The Security Instrument provided in the file was executed and notarized on [redacted] which updates the transaction date to the same.


Seller Comment (2024-04-04): INVALID- Loan closed [redacted] not [redacted].
 04/11/2024     1 C A C A C A C A C A   AZ Primary Refinance - Cash-out - Other   C A A A C A A A     No
[Redacted] [Redacted] [Redacted] 1063 30219975     Compliance Compliance Federal Compliance TILA TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening. Disclosure acknowleged [redacted] after [redacted] closing date.       Reviewer Comment (2024-04-11): Transaction date has been updated. Exception is clear.


Seller Comment (2024-04-09): Please see recorded corrected mortgage uploaded


Reviewer Comment (2024-04-08): The Security Instrument provided in the file was executed and notarized on [redacted] which updates the transaction date to the same.


Seller Comment (2024-04-04): INVALID- Loan closed [redacted] not [redacted].
 04/11/2024     1 C A C A C A C A C A   AZ Primary Refinance - Cash-out - Other   C A A A C A A A     No
[Redacted] [Redacted] [Redacted] 1064 30299293     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   FL Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 1076 30273783     Credit Guideline Guideline Issue Guideline Borrower has been on current job less than [redacted] years, and prior employment history was not documented as required. - The file is missing a VVOE or W-2 for the Co-Borrowers previous employment.  [redacted] years Employment History is required and only  [redacted] years was provided.       Reviewer Comment (2024-04-22): Employment has been sufficiently verified. Exception is clear.


Seller Comment (2024-04-19): Please see VOE from previous employment with [redacted]


Reviewer Comment (2024-04-18): Exception remains. Still require VVOE for previous employment of co-borrower to validate complete [redacted] years of employment history. Current employment details is for [redacted] years only.


Seller Comment (2024-04-17): [redacted] W2's for [redacted] year employment history uploaded
 04/22/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1076 30274789     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Tax Certificate not provided   Tax Cert provided reflects taxes less than used for review.       Reviewer Comment (2024-04-12): Tax cert provided. Exception is clear.


Seller Comment (2024-04-11): Tax Bill uploaded
 04/12/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1076 30274804     Credit Income / Employment Income Documentation Income / Employment Income documentation requirements not met.   The file is missing a VVOE or W-2 for the Co-Borrowers previous employment.  [redacted] years Employment History is required and only [redacted] years was provided.       Reviewer Comment (2024-04-22): Received Co-Borrower previous employer W-2 and VVOE and validated the same, also [redacted] years employment history condition now met. Exception Cleared.


Seller Comment (2024-04-19): Please see VOE from previous employment with [redacted]


Reviewer Comment (2024-04-18): Exception remains. Still require VVOE for previous employment of co-borrower to validate complete [redacted] years of employment history. Current employment details is for [redacted] years only.


Seller Comment (2024-04-17): [redacted] W2's for [redacted] year employment history uploaded
 04/22/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1079 30271729     Credit Loan Package Documentation Application / Processing Loan Package Documentation Valuation Error: Appraiser certification was not provided in valuation report.   Appraiser signature on all pages of the Appraisal including the Certification does not match the Appraiser named on the report.       Reviewer Comment (2024-04-12): Revised report provided. Exception is clear.


Seller Comment (2024-04-11): Updated appraisal uploaded
 04/12/2024     1 C A C A C A C A C A   CT Primary Refinance - Cash-out - Debt Consolidation   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1086 30275611     Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Investor Qualifying Residual income discrepancy.             04/05/2024     1 C A C A C A C A C A   FL Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 1086 30275615     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   FL Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 1090 30273803     Credit Loan Package Documentation Application / Processing Insurance Missing Document: Flood Certificate not provided   The file is missing Flood certificate.       Reviewer Comment (2024-04-05): Exception Cleared - Flood certificate received and associated in clarity.


Seller Comment (2024-04-05): Flood cert uploaded
 04/05/2024     1 C A C A C A C A C A   OR Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1091 30275929     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   MO Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 1094 30300711     Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Note - Senior Lien not provided   Missing [redacted] statement or Note verifying $ [redacted] [redacted] lien P&I amount inclkuded in debt obligation.       Reviewer Comment (2024-04-10): Mortgage Statement received for Senior lien. Details verified and updated. Exception cleared.


Seller Comment (2024-04-09): Mortgage Statement uploaded
 04/10/2024     1 D A D A D A D A D A   CA Primary Refinance - Cash-out - Other   D A D A A A A A     No
[Redacted] [Redacted] [Redacted] 1100 30391638     Credit Property - Appraisal Appraisal Documentation Property - Appraisal Missing Document: Appraisal not provided   No valuation product provided.       Reviewer Comment (2024-04-23): Appraisal provided. Exception is clear.


Seller Comment (2024-04-22): Appraisal uploaded
 04/23/2024     1 D A D A D A D A D A   CA Primary Refinance - Cash-out - Other   D A D A A A A A     No
[Redacted] [Redacted] [Redacted] 1100 30391772     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing. - Insurance verification document is missing in the file.       Reviewer Comment (2024-04-23): Exception is clear.


Seller Comment (2024-04-22): INVALID- This is also a commercial property.


Seller Comment (2024-04-22): INVALID-Borrower is not liable for mortgage as it is owned by [redacted]. Please see  pages [redacted] .
 04/23/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   D A D A A A A A     No
[Redacted] [Redacted] [Redacted] 1104 30284253     Compliance Compliance Federal Compliance Missing Application Date Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date.                 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 1105 30392265     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           04/23/2024     1 C A C A C A C A C A   AZ Primary Purchase TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B A A C B A A     Yes
[Redacted] [Redacted] [Redacted] 1105 30427851     Compliance Compliance Federal Compliance TILA Right of Rescission Not Provided - Purchase HELOC Truth in Lending Act:  Notice of Right to Cancel was not provided at account opening on a HELOC Residential Mortgage Transaction (entire line drawn at account opening for purchase of a dwelling).  HELOC Plan is subject to rescission until a Notice of Right to Cancel is provided and the rescission period expires.                 2   B   B   B   B   B   AZ Primary Purchase LOE, reopen rescission (new NORTC and new 3-day rescission period) and proof of receipt C B A A C B A A     Yes
[Redacted] [Redacted] [Redacted] 1118 30299356     Credit Insurance Insurance Analysis Insurance Insurance address does not match Note address.   Address on Hazard Policy shows a zip code of  [redacted] which does not match the note zip code of  [redacted].       Reviewer Comment (2024-04-12): Information updated. Exception is clear.


Seller Comment (2024-04-10): Please see uploaded Note
 04/12/2024     1 C A C A C A C A C A   VA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1135 30338646     Compliance Compliance State Compliance Misc. State Level Ohio Consumer Sales Practices Act (Right Not To Close Disclosure Not Provided) [redacted] Consumer Sales Practices Act: Borrower not provided Right Not To Close Disclosure.                 2 B B B B B B B B B B   OH Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 1144 30368481     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing. - ___
___		 Verification of Hazard insurance not provided.       Reviewer Comment (2024-04-24): Lender attestation regarding property provided. Exception is clear.


Seller Comment (2024-04-23): Processors Cert, LOE, and property taxes with parents names uploaded


Reviewer Comment (2024-04-19): Property in question was not disclosed on the initial 1003 however was added to the Final 1003 as a REO by the borrower. Lender to provide attestation regarding the addition of the property to the Final 1003 and that the borrower does not have an ownership interest.


Seller Comment (2024-04-18): Page [Redacted] shows an LOE from the borrower regarding the properties. They are owned by the parents of the borrower.
 04/24/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1145 30344169     Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Missing Final [redacted]   Please provide the corrected FINAL URLA reflecting the Borrower as a [redacted] Citizen.       Reviewer Comment (2024-04-18): Received updated 1003 showing borrower as a  [Redacted] Citizen, Exception Cleared.


Seller Comment (2024-04-18): 1003 Uploaded
 04/18/2024     1 C A C A C A C A C A   GA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1150 30344524     Compliance Compliance Federal Compliance Missing Disclosure Notice of Special Flood Hazard Disclosure Not Provided Timely FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing.                 2 B B B B B B B B B B   FL Primary Refinance - Cash-out - Debt Consolidation   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 1161 30403617     Compliance Compliance Federal Compliance Missing Disclosure Notice of Special Flood Hazard Disclosure Not Provided Timely FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing.                 2 B B B B B B B B B B   NJ Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 1162 30406422     Credit Hazard Insurance Document Error Hazard Insurance Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements.   Wholesale loans only - Evidence of current insurance with  [redacted] as loss payee required.  Currently only reflects the Mortgage Holder of the [redacted] Mortgage.       Reviewer Comment (2024-04-23): Insurance provided with mortgagee. Exception is clear.


Seller Comment (2024-04-22): Page [redacted] contains HOI with Mortgagee
 04/23/2024     1 C A C A C A C A C A   MO Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1187 30456265     Compliance Compliance Federal Compliance TILA Right of Rescission Not Provided - Purchase HELOC Truth in Lending Act:  Notice of Right to Cancel was not provided at account opening on a HELOC Residential Mortgage Transaction (entire line drawn at account opening for purchase of a dwelling).  HELOC Plan is subject to rescission until a Notice of Right to Cancel is provided and the rescission period expires.                 2 B B B B B B B B B B   CA Primary Purchase LOE, reopen rescission (new NORTC and new 3-day rescission period) and proof of receipt B B A A B B A A     Yes
[Redacted] [Redacted] [Redacted] 1191 30457025     Compliance Compliance State Compliance Misc. State Level Colorado Home Loan (Ability to Repay not Verified) [redacted]Home Loan ([redacted]):  Borrower's ability to repay not verified with reliable documentation.                 2 B B B B B B B B B B   CO Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 1194 30410289     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - Income documents not provided for Social security income.       Reviewer Comment (2024-05-02): Income types updated to IRA distributions per the documents provided in the file. Sufficient verification provided. Exception is clear.


Seller Comment (2024-04-30): INVALID retirement income [redacted] account value $[redacted] verifies continuance pg [redacted]. VA Award Letter is also uploaded pg [redacted].


Reviewer Comment (2024-04-29): Exception Remains - Required Award letter / Continuance letter for Pension income verifying $[redacted] monthly retirement income.


Seller Comment (2024-04-29): INVALID- The exception says you need proof of Social Security Income. Award Letter is page [redacted] of [redacted] a month.


Reviewer Comment (2024-04-26): Provide 1099, Award Letter / Continuance Letter document verifying $[redacted] monthly retirement  income. Exception remains


Seller Comment (2024-04-26): INVALID see page [redacted]
 05/02/2024     1 C A C A C A C A C A   AZ Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1195 30412553     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. Rate lock documentation does not specify the overall rate at the time it was locked.               2 B B B B B B B B B B   FL Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 1201 30412857     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   MA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 1203 30414793     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - ___ [redacted]- Schedule C not provided.       Reviewer Comment (2024-05-01): Loss was sufficiently verified with documentation in the file. Exception is clear.


Seller Comment (2024-04-30): [redacted] [redacted] losses are K-1 losses. The only Schedule C losses showing on the [redacted] schedule C are from  [redacted].


Reviewer Comment (2024-04-29): Exception Remains - Required 1040 - Schedule C for year [redacted] for company [redacted] for which negative income is considered for qualification.


Seller Comment (2024-04-29): INVALID Borr gets  [redacted]  pg [redacted] from [redacted] no schedule C. Income not being used from  [redacted] Practice & [redacted] Investments


Seller Comment (2024-04-26): INVALID see page [redacted]
 05/01/2024     1 C A C A C A C A C A   IL Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1204 30417341     Compliance Compliance State Compliance Misc. State Level Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided Timely) [redacted] [redacted]: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower within [redacted] business days of  receipt of the loan application.                 2 B B B B B B B B B B   WA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 1207 30414709     Compliance Compliance State Compliance State Defect (TX50(t)(5)) (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal). No appraisal or valuation value used to determine LTV.  Unable to determine compliance with [readcted] 50(t)(5) CLTV limitation due to missing appraisal or other evaluation to verify property value/LTV Hybrid Appraisal provided.               2 B B B B B B B B B B   TX Primary Refinance - Cash-out - Other Send the borrower a written acknowledgement that the lien is valid only in the amount that the extension of credit does not exceed the CLTV of 80%. B B A A B B A A     Yes
[Redacted] [Redacted] [Redacted] 1209 30426495     Compliance Compliance State Compliance State Defect (TX50(t)(5)) (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal). No appraisal or valuation value used to determine LTV.  Unable to determine compliance with [readcted] 50(t)(5) CLTV limitation due to missing appraisal or other evaluation to verify property value/LTV EV2 Exception.               2 B B B B B B B B B B   TX Primary Refinance - Cash-out - Other Send the borrower a written acknowledgement that the lien is valid only in the amount that the extension of credit does not exceed the CLTV of 80%. B B A A B B A A     Yes
[Redacted] [Redacted] [Redacted] 1210 30427587     Credit Income Document Error Income YTD Date is dated more than [redacted] days before the application date. - Guidelines require most recent [redacted] day YTD income verification which was not provided in the file.       Reviewer Comment (2024-05-01): Income has been updated based on the leave information provided. Exception is clear.


Seller Comment (2024-04-30): Borrower is on leave. Using the leave income as borrower will not return to work until after loan closes. Have proof of receipt of the leave income. Borrower is a union member. Leave income is less than the W-2 average, so using leave income to qualify. Expected return to work day [redacted]. Claim Effective date [redacted]; last payment date [redacted]. Daily Benefit  [redacted]; [redacted] [redacted] MAx benefit amount  [redacted]; Total Benefit Amount Paid  [redacted], Remaining Benefit Amount  [redacted].
Proof of receipt provided [redacted] [redacted] [redacted]; [redacted] [redacted]  into  [redacted]
W2 [redacted]  [redacted] W2 [redacted] $ [redacted]


Seller Comment (2024-04-30): Leave statement from [redacted]


Reviewer Comment (2024-04-29): Exception Remains - Required Paystubs within [redacted] days before the application date for borrower [redacted] current employer [redacted]


Seller Comment (2024-04-29): INVALID- pg [redacted] states borrower out on leave [redacted]
 05/01/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1210 30427726     Credit Income Document Error Income YTD Date is dated more than [redacted] days before the application date. - Guidelines require most recent [redacted] day YTD income verification which was not provided in the file.       Reviewer Comment (2024-05-01): Income has been updated based on the leave information provided. Exception is clear.


Reviewer Comment (2024-04-29): Exception Remains - Required Paystubs within [redacted] days before the application date for borrower[redacted] current employer [redacted].


Seller Comment (2024-04-29): INVALID- pg [redacted] states borrower out on leave [redacted]
 05/01/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1218 30425686     Compliance Compliance State Compliance Misc. State Level Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided Timely) [redacted] [redacted]: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower within [redacted] business days of  receipt of the loan application.                 2 B B B B B B B B B B   WA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 1232 30431182     Credit Hazard Insurance Insufficient Coverage Hazard Insurance The Hazard Insurance Policy effective date is after the funds disbursed. Hazard Insurance Policy Effective Date ___; Disbursement Date: ___; Note Date: ___; Transaction Date: ___ Policy effective date is updated as per Insurance documents.       Reviewer Comment (2024-05-01): Policy provided. Exception is clear.


Seller Comment (2024-04-30): INVALID you have both years HOI policies pg [redacted]
 05/01/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1238 30439759     Credit Guideline Guideline Issue Guideline Borrower has been on current job less than [redacted] years, and prior employment history was not documented as required. -         Reviewer Comment (2024-05-02): VVOE provided. Exception is clear.


Seller Comment (2024-04-30): VVOE uploaded
 05/02/2024     1 C A C A C A C A C A   AL Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1251 30452956     Credit Credit Credit Documentation Missing Document  Missing Document: Credit Report not provided   Credit Report is missing       Reviewer Comment (2024-04-30): Received Credit Report. Exception Cleared.


Seller Comment (2024-04-30): Credit report uploaded
 04/30/2024     1 D A D A D A D A D A   CA Primary Refinance - Cash-out - Debt Consolidation   D A D A A A A A     No
[Redacted] [Redacted] [Redacted] 1257 30451573     Credit Property - Appraisal General Appraisal Requirements Property - Appraisal Subject is a refinance and property is listed for sale. - Primary valuation (1004) notes subject was listed in MLS as data only on [redacted] and appears to have sold as new construction on [redacted].  Date of listing needs to be corrected in narrative on appraisal.       Reviewer Comment (2024-05-06): LOX provided. Exception is clear.


Seller Comment (2024-05-02): LOX uploaded
 05/06/2024     1 C A C A C A C A C A   UT Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1261 30453555     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   FL Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 1273 30451945     Compliance Compliance Federal Compliance TILA HELOC Fees Used For Testing Truth in Lending Act (HELOC): Fees disclosed on Line of Credit Closing Statement exceed those disclosed in HELOC Agreement. Fees from the Line of Credit Closing Statement are used in any federal, state, and local high cost testing.                 2 B B B B B B B B B B   NJ Primary Refinance - Cash-out - Other   B B B A B B A A     No
[Redacted] [Redacted] [Redacted] 1273 30452372     Credit Credit Credit Eligibility Guideline Public Record Issue: -         Reviewer Comment (2025-02-07): Subject confirmed in [redacted]position.
 02/07/2025     1 B A B A B A B A B A   NJ Primary Refinance - Cash-out - Other   B B B A B B A A     No
[Redacted] [Redacted] [Redacted] 1295 30467117     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   FL Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 1303 30470410     Compliance Compliance State Compliance Misc. State Level Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided Timely) [redacted] [redacted]: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower within [redacted] business days of  receipt of the loan application.                 2 B B B B B B B B B B   WA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 1316 30467826     Compliance Compliance State Compliance State Defect [redacted] [redacted] [redacted]Predatory Lending Database Program ([redacted]) - Certificate of Compliance or Exemption not attached to mortgage for recording. File is missing Certificate of Compliance or Exemption required by state of [redacted].       Reviewer Comment (2024-05-07): Disclosure provided. Exception is clear.


Seller Comment (2024-05-06): Please see [redacted] Anti Predatory document
 05/07/2024     1 C A C A C A C A C A   IL Primary Refinance - Cash-out - Other   C A A A C A A A     No
[Redacted] [Redacted] [Redacted] 1322 30524866     Credit Loan Package Documentation Loan File Missing Document  Missing Document: Hazard Insurance Policy not provided   Hazard Insurance policy not provided.       Reviewer Comment (2024-05-15): Received Hazard insurance document, information validated. Exceptino Cleared.


Seller Comment (2024-05-14): HOI uploaded
 05/15/2024     1 C A C A C A C A C A   FL Investment Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1331 30526345     Credit Income / Employment Income Documentation Income / Employment [redacted]Docs Missing: - ___ [redacted] missing in the file       Reviewer Comment (2024-05-15): Client attests that signed [redacted]is not required since tax transcripts ae in file. Exception si clear.


Seller Comment (2024-05-14): [redacted] Transcript in file no need for [redacted][redacted]
 05/15/2024     1 C A C A C A C A C A   MD Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1332 30483425     Compliance Compliance State Compliance Misc. State Level Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided Timely) [redacted] [redacted]: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower within [redacted] business days of  receipt of the  [redacted].                 2 B B B B B B B B B B   WA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 1335 30487509     Credit Guideline Guideline Issue Guideline Borrower has been on current job less than [redacted] years, and prior employment history was not documented as required.   The  [redacted] in the file reflects a start date with current employer [redacted]; however, the verbal verification of employment completed by the Lender has a start date of [redacted] and no prior employment history was provided to complete the required [redacted] year history.  The file does contain [redacted] and [redacted]  [redacted]'s and paystubs from current employer.       Reviewer Comment (2024-05-06): Received updated VVOE showing borrower employment start date is [redacted], Exception cleared.


Seller Comment (2024-05-06): VVOE uploaded. Borrower received a promotion in [redacted], that is why the VOE shows that. borrower has been with [redacted] since [redacted]. The provided W2's and paystubs show at least [redacted] years of employment history.
 05/06/2024     1 C A C A C A C A C A   CO Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1336 30527233     Credit Income / Employment Income Documentation Missing Document  [redacted] Documents are missing. - ___ HOA Verification is missing for REO property   [redacted]       Reviewer Comment (2024-05-15): Received HOA Document of REO property "[redacted]", information validated. Exception Cleared.


Seller Comment (2024-05-14): HOA statement uploaded
 05/15/2024     1 C A C A C A C A C A   CA Investment Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1337 30482599     Credit Income / Employment Income Documentation Missing Document  [redacted] Documents are missing. - ___ [redacted] not provided.       Reviewer Comment (2024-05-09): Lease provided. Exception is clear.


Seller Comment (2024-05-09): Please see lease


Reviewer Comment (2024-05-08): Documentation provided is insufficient to clear. [redacted] screenshot states landlord will not be responsible unless the property is unoccupied. There is not a lease agreement or other documentation in the file for the property to verify it has a tenant. Exception remains open.


Seller Comment (2024-05-07): Please re-review. The taxes are not the same in the [redacted] as they are in the [redacted] . The occupant is responsible for the taxes on the property, and not our borrower. An LOE was provided stating this and is also reflecting in the [redacted].


Reviewer Comment (2024-05-06): Please provide document which shows property tax paid by occupant for [redacted], Exception remains.


Seller Comment (2024-05-06): Page [redacted] contains the LOE for property taxes on the REO.
 05/09/2024     1 C A C A C A C A C A   AZ Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1337 30484493     Credit Income / Employment Income Documentation Income / Employment [redacted] documentation requirements not met.   The Property Tax Verification for REO is missing from the loan file.       Reviewer Comment (2024-05-09): Lease provided. Exception is clear.


Seller Comment (2024-05-09): Please see lease


Reviewer Comment (2024-05-08): Documentation provided is insufficient to clear. [redacted] screenshot states landlord will not be responsible unless the property is unoccupied. There is not a lease agreement or other documentation in the file for the property to verify it has a tenant. Exception remains open.


Seller Comment (2024-05-07): Please re-review. The taxes are not the same in the [redacted] as they are in the [redacted] . The occupant is responsible for the taxes on the property, and not our borrower. An LOE was provided stating this and is also reflecting in the [redacted].


Reviewer Comment (2024-05-06): Please provide document which shows property tax paid by occupant for [redacted], Exception remains.


Seller Comment (2024-05-06): Page [redacted] contains the LOE for property taxes on the REO.
 05/09/2024     1 C A C A C A C A C A   AZ Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1345 30476577     Credit Missing Document General Missing Document Missing Document: Verification of Non-US Citizen Status not provided             05/10/2024     1 C A C A C A C A C A   GA Primary Refinance - Cash-out - Other   C B C B A A A A     No
[Redacted] [Redacted] [Redacted] 1345 30477900     Credit Hazard Insurance Insufficient Coverage Hazard Insurance The Hazard Insurance Policy Effective Date is after closing.             05/20/2024     1 C A C A C A C A C A   GA Primary Refinance - Cash-out - Other   C B C B A A A A     No
[Redacted] [Redacted] [Redacted] 1345 30478715     Credit Loan Package Documentation Application / Processing Loan Package Documentation 1003 Error: Citizenship Source Documentation  was not provided -                 2 B B B B B B B B B B   GA Primary Refinance - Cash-out - Other   C B C B A A A A     No
[Redacted] [Redacted] [Redacted] 1345 30478787     Credit 1003 Document Error 1003 Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided. -           05/10/2024     1 C A C A C A C A C A   GA Primary Refinance - Cash-out - Other   C B C B A A A A     No
[Redacted] [Redacted] [Redacted] 1348 30486836     Compliance Compliance Federal Compliance TILA HELOC Fees Used For Testing [redacted]: Fees disclosed on Line of  [redacted] exceed those disclosed in HELOC Agreement. Fees from the Line of Credit Closing Statement are used in any  [redacted],  [redacted], and [redacted].                 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 1358 30548500     Credit Income / Employment Income Documentation Income / Employment [redacted] documentation requirements not met.   A YTD Paystub and most recent prior vyears  [redacted]'s or a  [redacted]as required by the guidelines is missing for  [redacted].       Reviewer Comment (2024-05-16): Income documents provided. Exception is clear.


Seller Comment (2024-05-16): [redacted] day paystubs uploaded


Reviewer Comment (2024-05-15): Please provide current year paystub for [redacted]days also provide WVOE or Work number-income document which shows overtime and bonus income bifurcation because paystub not sufficient to provide clear picture on overtime and bonus income, Exception remains.


Seller Comment (2024-05-15): Year end paystubs and the W2's uploaded
 05/16/2024     1 C A C A C A C A C A   LA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1364 30529313     Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Missing  [redacted]           Reviewer Comment (2024-05-16): [redacted] provided. Exception is clear.


Seller Comment (2024-05-16): Invalid per Guidelines originator signature is not required.


Reviewer Comment (2024-05-15): Final [redacted] provided is not signed by the originator.


Seller Comment (2024-05-15): [redacted] uploaded
 05/16/2024     1 C A C A C A C A C A   NV Primary Refinance - Cash-out - Other   C A C A C A A A     No
[Redacted] [Redacted] [Redacted] 1364 30529394     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form Notice of Right to Cancel Missing Truth in Lending Act: [redacted] was not provided. [redacted] was not provided.       Reviewer Comment (2024-05-15): After review of trailing documents exception cleared.


Seller Comment (2024-05-15): RTC uploaded
 05/15/2024     1 C A C A C A C A C A   NV Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C A C A C A A A     Yes
[Redacted] [Redacted] [Redacted] 1371 30530430     Compliance Compliance Federal Compliance TILA HELOC Fees Used For Testing [redacted]: Fees disclosed on Line of Credit Closing Statement exceed those disclosed in HELOC Agreement. Fees from the Line of Credit Closing Statement are used in any  [redacted], state, and local high cost testing.                 2 B B B B B B B B B B   TX Primary Refinance - Cash-out - Other   C B A A C B A A     No
[Redacted] [Redacted] [Redacted] 1371 30531418     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   TX Primary Refinance - Cash-out - Other   C B A A C B A A     No
[Redacted] [Redacted] [Redacted] 1371 30531419     Compliance Compliance State Compliance State Defect (TX50(a)(6)) Texas Cash-out Loan  (Completed Loan Application Not  Provided At Least 1 Business Day Prior to Closing) [redacted]Constitution Section [redacted] ([redacted] )([redacted] ):   [redacted]Cash-out Loan.  Borrower was not provided copy of Application [redacted] day prior to closing.         Reviewer Comment (2024-05-15): Proof of receipt provided. Exception is clear.


Seller Comment (2024-05-15): [redacted] Pre- Closing package uploaded


Seller Comment (2024-05-15): INVALID see page [redacted]
 05/15/2024     1 C A C A C A C A C A   TX Primary Refinance - Cash-out - Other Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. C B A A C B A A     Yes
[Redacted] [Redacted] [Redacted] 1373 30503712     Compliance Compliance State Compliance State Defect [redacted] [redacted] [redacted] Predatory Lending Database Program ([redacted]) - Certificate of Compliance or Exemption not attached to mortgage for recording. Certificate of Compliance or Exemption not attached to mortgage for recording.       Reviewer Comment (2024-05-10): Disclosure provided. Exception is clear.


Seller Comment (2024-05-09): [redacted] Anti Predatory document uploaded
 05/10/2024     1 C A C A C A C A C A   IL Primary Refinance - Cash-out - Other   C A A A C A A A     No
[Redacted] [Redacted] [Redacted] 1375 30528314     Compliance Compliance Federal Compliance TILA HELOC Fees Used For Testing [redacted]: Fees disclosed on Line of Credit Closing Statement exceed those disclosed in HELOC Agreement. Fees from the Line of Credit Closing Statement are used in any  [redacted], state, and local high cost testing. Fees disclosed on  [redacted] exceed those disclosed in HELOC Agreement. Fees from the Line of Credit Closing Statement are used in any federal, state, and local high cost testing.               2 B B B B B B B B B B   TX Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 1376 30530783     Compliance Compliance State Compliance Misc. State Level (TX50(a)(6)) Texas Cash-out Loan  (Other Debt) [redacted]Constitution Section  [redacted]prohibits other debt secured by the homestead unless the purpose of additional debt is one described under  [redacted]. Unable to determine purpose of additional debt secured by the homestead.                 2 B B B B B B B B B B   TX Primary Refinance - Cash-out - Other Confirm whether additional debt on the subject property is a Texas 50(a)(6) or 50(a)(7) prior to Remediating.  Notify consumer the accrual of interest and other obligations will be abated so long as the prior 50(a)(6) or (7) is secured by the homestead B B A A B B A A     Yes
[Redacted] [Redacted] [Redacted] 1376 30530784     Compliance Compliance State Compliance State Defect (TX50(t)(5)) (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal). No appraisal or valuation value used to determine LTV.  Unable to determine compliance with  [redacted] limitation due to missing appraisal or other evaluation to verify property value/LTV                 2 B B B B B B B B B B   TX Primary Refinance - Cash-out - Other Send the borrower a written acknowledgement that the lien is valid only in the amount that the extension of credit does not exceed the CLTV of 80%. B B A A B B A A     Yes
[Redacted] [Redacted] [Redacted] 1397 30508549     Compliance Compliance Federal Compliance Missing Application Date Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date.                 2 B B B B B B B B B B   FL Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 1400 30504346     Compliance Compliance Federal Compliance TILA TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act ([redacted] ): Credit Agreement not provided to borrower at time of account opening. There are  [redacted]executed Security Instruments in file that has both borrowers and both documents are signed, Letter of explanation is missing in file as regards to the reason why both signed and executed on different dates. The second executed Security Instrument is dated  [redacted] while the [redacted]security instrument is dated [redacted]. Loan is testing with [redacted].       Reviewer Comment (2024-05-13): Client attests SI dated [redacted] is the correct one used for recording. Exception is clear.


Seller Comment (2024-05-10): The first set of the documents we received did not contain the [redacted]attorney documents. Title had to rescheduled and resign for the [redacted]with updated documents.
The documents from the [redacted]have been shredded and  used the updated documents from the [redacted]for recording.
 05/13/2024     1 C A C A C A C A C A   TX Primary Refinance - Cash-out - Other   C B A A C B A A     No
[Redacted] [Redacted] [Redacted] 1400 30504347     Compliance Compliance Federal Compliance TILA TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act ([redacted] ): "Billing Rights" disclosure not provided to borrower at time of account opening. There are [redacted]executed Security Instruments in file that has both borrowers and both documents are signed, Letter of explanation is missing in file as regards to the reason why both signed and executed on different dates. The second executed Security Instrument is dated [redacted] while the [redacted]security instrument is dated [redacted]. Loan is testing with [redacted].       Reviewer Comment (2024-05-13): Client attests SI dated [redacted] is the correct one used for recording. Exception is clear.


Seller Comment (2024-05-10): The first set of the documents we received did not contain the [redacted]attorney documents. Title had to rescheduled and resign for the [redacted]with updated documents.
The documents from the [redacted]have been shredded and  used the updated documents from the [redacted]for recording.
 05/13/2024     1 C A C A C A C A C A   TX Primary Refinance - Cash-out - Other   C B A A C B A A     No
[Redacted] [Redacted] [Redacted] 1400 30504349     Compliance Compliance State Compliance State Defect (TX50(a)(6)) Texas Cash-out Loan  (Acknowledgment of Fair Market Value Disclosure Not Provided Timely) [redacted] Constitution Section [redacted]:  Acknowledgment of the Fair Market Value not signed by borrower or lender at or before closing. There are [redacted]executed Security Instruments in file that has both borrowers and both documents are signed, Letter of explanation is missing in file as regards to the reason why both signed and executed on different dates. The second executed Security Instrument is dated [redacted] while the [redacted]security instrument is dated[redacted]. Loan is testing with [redacted].       Reviewer Comment (2024-05-13): Client attests SI dated[redacted] is the correct one used for recording. Exception is clear.


Seller Comment (2024-05-10): The first set of the documents we received did not contain the [redacted]attorney documents. Title had to rescheduled and resign for the [redacted]with updated documents.
The documents from the [redacted]have been shredded and  used the updated documents from the [redacted]for recording.
 05/13/2024     1 C A C A C A C A C A   TX Primary Refinance - Cash-out - Other To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents and obtain an executed copy; OR, (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.  Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. C B A A C B A A     Yes
[Redacted] [Redacted] [Redacted] 1400 30504350     Compliance Compliance State Compliance State Defect (TX50(a)(6)) Texas Cash-out Loan  (Itemization of Points and Fees Not Provided At Least 1 Business Day Prior to Closing - No Waiver) [redacted]Constitution Section [redacted]: Final itemized disclosure of fees, points, costs and charges not provided to borrower at least [redacted] business day prior to closing without a waiver. There are [redacted]executed Security Instruments in file that has both borrowers and both documents are signed, Letter of explanation is missing in file as regards to the reason why both signed and executed on different dates. The [redacted]executed Security Instrument is dated [redacted] while the first security instrument is dated [redacted]. Loan is testing with [redacted].       Reviewer Comment (2024-05-15): Cleared - provided.


Seller Comment (2024-05-14): E-Sign URL Captured [redacted]see uploaded LOX


Reviewer Comment (2024-05-14): Disclosure dated [redacted] received however it is not signed by borrower. Need proof of receipt at least one day prior to closing to clear.


Seller Comment (2024-05-13): Pre-Closing CD uploaded


Reviewer Comment (2024-05-13): Closing statement provided in the file is dated [redacted] which is the same date as closing. Disclosure required to be issued one day prior to closing. Exception remains open.


Seller Comment (2024-05-10): The first set of the documents we received did not contain the [redacted]attorney documents. Title had to rescheduled and resign for the [redacted]with updated documents.
The documents from the [redacted]have been shredded and  used the updated documents from the [redacted]for recording.
 05/15/2024     1 C A C A C A C A C A   TX Primary Refinance - Cash-out - Other Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. C B A A C B A A     Yes
[Redacted] [Redacted] [Redacted] 1400 30504351     Compliance Compliance State Compliance State Defect (TX50(t)(5)) (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal). No appraisal or valuation value used to determine LTV.  Unable to determine compliance with [redacted] CLTV limitation due to missing appraisal or other evaluation to verify property value/LTV Full appraisal is missing in file, Verified hybrid appraisal is acceptable per guidelines.               2 B B B B B B B B B B   TX Primary Refinance - Cash-out - Other Send the borrower a written acknowledgement that the lien is valid only in the amount that the extension of credit does not exceed the CLTV of 80%. C B A A C B A A     Yes
[Redacted] [Redacted] [Redacted] 1401 30503891     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total [redacted] ratio discrepancy.   Maximum allowable DTI is  [redacted]% however as per the calculation it is in excess of [redacted]%. Approval document also has the DTI at [redacted]%.       Reviewer Comment (2024-05-17): REO has been updated. Exception is clear.


Seller Comment (2024-05-16): Mortgage statement [redacted]. Borrower is not obligated on mortgage.


Reviewer Comment (2024-05-15): Please provide relevant document for REO property "[redacted]" as per latest approval document P&I not consider of REO property to make DTI in line, please provide relevant document to suffice the DTI discrepancy. Exception Remains.


Seller Comment (2024-05-14): Final approval uploaded.
 05/17/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1403 30528335     Compliance Compliance State Compliance State Defect (TX50(t)(5)) (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal). No appraisal or valuation value used to determine LTV.  Unable to determine compliance with[redacted]CLTV limitation due to missing appraisal or other evaluation to verify property value/LTV AVM is allowed as primary valuation for [redacted]               2 B B B B B B B B B B   TX Primary Refinance - Cash-out - Debt Consolidation Send the borrower a written acknowledgement that the lien is valid only in the amount that the extension of credit does not exceed the CLTV of 80%. B B A A B B A A     Yes
[Redacted] [Redacted] [Redacted] 1409 30550306     Compliance Compliance State Compliance Misc. State Level Colorado Consumer Credit Code (Borrower Written Reason for Loan, Modification, or Refinance Not Provided) [redacted] Consumer Credit Code: Borrower did not provided a written description of reasons for seeking loan, modification, or refinance. Borrower did not receive a written description of reasons for seeking loan, modification, or refinance.       Reviewer Comment (2024-05-20): Disclosure provided. Exception is clear.
 05/20/2024     1 B A B A B A B A B A   CO Primary Refinance - Cash-out - Other   C A A A C A A A     No
[Redacted] [Redacted] [Redacted] 1409 30550307     Compliance Compliance State Compliance State Defect Colorado Consumer Credit Code (Choice of Insurance and Cost of Insurance Disclosure Not Provided) [redacted] Consumer Credit Code:  Borrower not provided a written statement setting forth the cost of homeowners insurance if obtained from lender and that borrower may choose insurance provider. [redacted] Second Lien Cost of Insurance Disclosure is missing in file.       Reviewer Comment (2024-05-20): Disclosure provided. Exception is clear.


Seller Comment (2024-05-20): INVALID see page [redacted] of [redacted]
 05/20/2024     1 C A C A C A C A C A   CO Primary Refinance - Cash-out - Other   C A A A C A A A     No
[Redacted] [Redacted] [Redacted] 1409 30550308     Compliance Compliance State Compliance State Defect Colorado Consumer Credit Code (TILA and Reg Z Disclosures Not Provided) [redacted] Consumer Credit Code:  Lender did not provide all TILA and Reg. Z disclosures (even for loan class exempt from TILA requirements). Lender did not provide all TILA and Reg.       Reviewer Comment (2024-05-20): Disclosure provided. Exception is clear.


Seller Comment (2024-05-20): Pre-Closing Disclosures uploaded


Seller Comment (2024-05-20): Initial Disclosures uploaded
 05/20/2024     1 C A C A C A C A C A   CO Primary Refinance - Cash-out - Other   C A A A C A A A     No
[Redacted] [Redacted] [Redacted] 1410 30545582     Compliance Loan Package Documentation Application / Processing Missing, Incorrect, or Incomplete Final or Initial 1003 Missing Document: Missing Lender's Initial 1003                   2 B B B B B B B B B B   VA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 1416 30544169     Compliance Compliance Federal Compliance TILA HELOC Fees Used For Testing Truth in Lending Act (HELOC): Fees disclosed on Line of Credit Closing Statement exceed those disclosed in HELOC Agreement. Fees from the Line of Credit Closing Statement are used in any federal, [redacted], and local high cost testing.                 2 B B B B B B B B B B   NC Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 1425 30551876     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Approval not provided   Approval document reflected address is not matching with subject loan address.       Reviewer Comment (2024-06-19): Approval provided. Exception is clear.


Seller Comment (2024-06-18): Uploaded correct worksheet
 06/19/2024     1 C A C A C A C A C A   NJ Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1427 30558631     Compliance Compliance State Compliance State Defect (TX50(t)(5)) (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal). No appraisal or valuation value used to determine LTV.  Unable to determine compliance with [redacted]50(t)(5)[redacted] CLTV limitation due to missing appraisal or other evaluation to verify property value/LTV                 2 B B B B B B B B B B   TX Primary Refinance - Cash-out - Other Send the borrower a written acknowledgement that the lien is valid only in the amount that the extension of credit does not exceed the CLTV of 80%. B B A A B B A A     Yes
[Redacted] [Redacted] [Redacted] 1428 30552181     Compliance Compliance State Compliance Misc. State Level Colorado Consumer Credit Code (Borrower Written Reason for Loan, Modification, or Refinance Not Provided) [redacted] Consumer Credit Code: Borrower did not provided a written description of reasons for seeking loan, modification, or refinance. Loan Purpose Disclosure is missing.       Reviewer Comment (2024-05-21): Disclosure provided. Exception is clear.
 05/21/2024     1 B A B A B A B A B A   CO Primary Refinance - Cash-out - Other   C A A A C A A A     No
[Redacted] [Redacted] [Redacted] 1428 30552182     Compliance Compliance State Compliance State Defect Colorado Consumer Credit Code (Co-Signer Disclosure Not Provided) [redacted] Consumer Credit Code: Co-signer/guarantor signed the security instrument without receiving a written notice that informs them of their obligations under the loan.         Reviewer Comment (2024-05-21): Disclosure not required. Exception is clear.


Seller Comment (2024-05-21): Invalid please see page[redacted] of[redacted]. [redacted] - Anti-Coercion Disclosure. (There's NO Co-Signer on this File)
 05/21/2024     1 C A C A C A C A C A   CO Primary Refinance - Cash-out - Other   C A A A C A A A     No
[Redacted] [Redacted] [Redacted] 1428 30552183     Compliance Compliance State Compliance State Defect Colorado Consumer Credit Code (Choice of Insurance and Cost of Insurance Disclosure Not Provided) [redacted] Consumer Credit Code:  Borrower not provided a written statement setting forth the cost of homeowners insurance if obtained from lender and that borrower may choose insurance provider.         Reviewer Comment (2024-05-21): Disclosure provided. Exception is clear.


Seller Comment (2024-05-21): Invalid please see page [redacted] of[redacted]. [redacted] - Anti-Coercion Disclosure
 05/21/2024     1 C A C A C A C A C A   CO Primary Refinance - Cash-out - Other   C A A A C A A A     No
[Redacted] [Redacted] [Redacted] 1429 30552493     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.             05/20/2024     1 C A C A C A C A C A   NE Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 1429 30552552     Compliance Compliance State Compliance Misc. State Level Nebraska Mortgage Bankers Registration and Licensing Act (Broker Notice Not Provided) [redacted]Mortgage Bankers Registration and Licensing Act:  Mortgage broker has received compensation from the borrower without providing a written agreement to the borrower.                 2 B B B B B B B B B B   NE Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 1431 30554870     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   FL Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 1434 30556285     Credit Loan Package Documentation Closing / Title Loan Package Documentation Title search shows negative impact on title.   Multiple Notices of Delinquent Assessment and Liens for  [redacted] of  [redacted] [redacted] are shown on the property report provided.       Reviewer Comment (2024-05-20): Updated report provided. Exception is clear.


Seller Comment (2024-05-20): Pages [redacted] contain the most recent property report with no liens.
 05/20/2024     1 C A C A C A C A C A   GA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1437 30553197     Compliance Compliance State Compliance Misc. State Level Colorado Consumer Credit Code (Borrower Written Reason for Loan, Modification, or Refinance Not Provided) [Redacted] Consumer Credit Code: Borrower did not provided a written description of reasons for seeking loan, modification, or refinance.         Reviewer Comment (2024-05-20): Disclosure provided. Exception is clear.
 05/20/2024     1 B A B A B A B A B A   CO Primary Refinance - Cash-out - Other   C A A A C A A A     No
[Redacted] [Redacted] [Redacted] 1437 30553199     Compliance Compliance State Compliance State Defect Colorado Consumer Credit Code (Choice of Insurance and Cost of Insurance Disclosure Not Provided) [Redacted] Consumer Credit Code:  Borrower not provided a written statement setting forth the cost of homeowners insurance if obtained from lender and that borrower may choose insurance provider.         Reviewer Comment (2024-05-20): Disclosure provided. Exception is clear.


Seller Comment (2024-05-20): CO Insurance Disclosure uploaded
 05/20/2024     1 C A C A C A C A C A   CO Primary Refinance - Cash-out - Other   C A A A C A A A     No
[Redacted] [Redacted] [Redacted] 1439 30552567     Compliance Loan Package Documentation Application / Processing Missing, Incorrect, or Incomplete Final or Initial 1003 Missing Document: Missing Lender's Initial 1003                   2 B B B B B B B B B B   WA Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 1439 30552582     Credit Guideline Guideline Issue Guideline Borrower has been on current job less than 2 years, and prior employment history was not documented as required. -           05/22/2024     1 C A C A C A C A C A   WA Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 1455 30543657     Compliance Compliance Federal Compliance TILA HELOC Fees Used For Testing Truth in Lending Act ([redacted] ): Fees disclosed on Line of Credit Closing Statement exceed those disclosed in HELOC Agreement. Fees from the Line of Credit Closing Statement are used in any federal, state, and local high cost testing.                 2 B B B B B B B B B B   TX Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 1455 30543660     Compliance Compliance State Compliance Misc. State Level (TX50(a)(6)) Texas Cash-out Loan  (The lender/Assignee cannot conclusively rely on the Value reflected on the Acknowledgement of Fair Market Value as it does not match the appraised value) [Redacted] Constitution Section [Redacted]):   The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value as it does not match the appraised value.                 2 B B B B B B B B B B   TX Primary Refinance - Cash-out - Other To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents and obtain an executed copy; OR, (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.  Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. B B A A B B A A     Yes
[Redacted] [Redacted] [Redacted] 1457 30543573     Credit Income / Employment Income Documentation Income / Employment Verification(s) of employment is not within [redacted] business days of the Note. -         Reviewer Comment (2024-05-20): VVOE provided. Exception is clear.


Seller Comment (2024-05-20): Invalid, please see page [redacted]-[redacted]VVOE dated [redacted] is in the file and closing date is[redacted], within [redacted].
 05/20/2024     1 C A C A C A C A C A   OR Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1457 30546160     Credit Income / Employment Income Documentation Income / Employment Income documentation requirements not met.   Verification of employment within [redacted] business days is missing in file.       Reviewer Comment (2024-05-20): VVOE provided. Exception is clear.


Seller Comment (2024-05-20): Invalid, please see page [redacted]-[redacted] VVOE dated [redacted] is in the file and closing date is [redacted], within [redacted]days.
 05/20/2024     1 C A C A C A C A C A   OR Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1460 30548170     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   FL Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 1466 30543725     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   FL Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 1470 30542803     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   VA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 1478 30580468     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   FL Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 1479 30584230     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   FL Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 1488 30576363     Credit Loan Package Documentation Closing / Title Loan Package Documentation Missing Document: Rider - 1-4 Family not provided             05/22/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1496 32813986     Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility Original As-Is CLTV exceeds the maximum allowed per guidelines. Calculated Original As-Is CLTV of ___ exceeds the maximum allowed per guidelines. Guideline Original As-Is CLTV ___. Hybrid appraisal value is lower than AVM value but Hybrid is a superior product.  [redacted] would be within guides if [redacted]  were [Redacted] or higher. Borrower has verified disposable income of at least [redacted].

Borrower has worked in the same position for more than [redacted] years.		   SitusAMC

SitusAMC		 Reviewer Comment (2025-02-07): CLTV exceeds guideline max by [redacted]%.  Regrade with compensating factors.
       2   B   B   B   B   B   CA Primary Refinance - Cash-out - Other   A B A B A A A A     No
[Redacted] [Redacted] [Redacted] 1497 30579720     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: -         Reviewer Comment (2024-05-22): Income documentation provided. Exception is clear.


Seller Comment (2024-05-22): Please see [redacted]-R's. DFAS is a lifetime benefit.
 05/22/2024     1 C A C A C A C A C A   VA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1497 30586088     Credit Income / Employment Income Documentation Income / Employment Income documentation requirements not met.   File is missing the [Redacted] Verification of Benefits Letter for the Co-Borrower       Reviewer Comment (2024-05-22): Income documentation provided. Exception is clear.


Seller Comment (2024-05-22): Please see [redacted]-R's. DFAS is a lifetime benefit.
 05/22/2024     1 C A C A C A C A C A   VA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1502 30578078     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Combined loan to value discrepancy.           Reviewer Comment (2024-05-24): Have Rounded off [redacted]Lien Balance to  [redacted] so CLTV is[redacted]. hence exception cleared.


Seller Comment (2024-05-24): Industry standard is [redacted] decimal places, [redacted] is counting the [redacted] decimal place. HCLTV is [redacted]% and acceptable.
 05/24/2024     1 C A C A C A C A C A   UT Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1503 30579696     Compliance Compliance State Compliance Misc. State Level (TX50(a)(6)) Texas Cash-out Loan  (The lender/Assignee cannot conclusively rely on the Value reflected on the Acknowledgement of Fair Market Value as it does not match the appraised value) [Redacted] Constitution Section [Redacted]:   The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value as it does not match the appraised value. As per appraisal appraised value is $[Redacted] however as per  Acknowledgement of Fair Market Value document market value is $[Redacted]               2 B B B B B B B B B B   TX Primary Refinance - Cash-out - Other To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents and obtain an executed copy; OR, (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.  Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. B B A A B B A A     Yes
[Redacted] [Redacted] [Redacted] 1506 30585970     Compliance Compliance State Compliance State Defect (TX50(t)(5)) (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal). No appraisal or valuation value used to determine LTV.  Unable to determine compliance with [Redacted] (t)([Redacted]) CLTV limitation due to missing appraisal or other evaluation to verify property value/LTV Appraisal provided is AVM.               2 B B B B B B B B B B   TX Primary Refinance - Cash-out - Other Send the borrower a written acknowledgement that the lien is valid only in the amount that the extension of credit does not exceed the CLTV of 80%. B B A A B B A A     Yes
[Redacted] [Redacted] [Redacted] 1506 30658765     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.           Reviewer Comment (2024-07-05): Post Disaster Inspection (PDI) received and updated in clarity. Exception cleared.


Seller Comment (2024-07-02): No damage
 07/05/2024     1   A   A   A   A   A   TX Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 1519 30593015     Compliance Compliance State Compliance State Defect (TX50(t)(5)) (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal). No appraisal or valuation value used to determine LTV.  Unable to determine compliance with [Redacted] (t)([Redacted] ) CLTV limitation due to missing appraisal or other evaluation to verify property value/LTV Acceptable Clear Capital AVM is in file.               2 B B B B B B B B B B   TX Primary Refinance - Cash-out - Other Send the borrower a written acknowledgement that the lien is valid only in the amount that the extension of credit does not exceed the CLTV of 80%. C B A A C B A A     Yes
[Redacted] [Redacted] [Redacted] 1519 30593190     Compliance Compliance State Compliance State Defect (TX50(a)(6)) Texas Cash-out Loan  (No evidence that borrower received copies of all documents signed at closing) [Redacted] Constitution Section [Redacted] ([redacted] )([Redacted]):  [Redacted] Cash-out Loan.   No evidence that borrower(s) received copies of all documents signed at time of closing.         Reviewer Comment (2024-05-29): Required verbiage is provided in the Owner's Affidavit of Compliance. Exception is clear


Seller Comment (2024-05-29): INVALID- Per TITLE on all loans borrowers receive a copy of the Closing Documents at Closing.
 05/29/2024     1 C A C A C A C A C A   TX Primary Refinance - Cash-out - Other Either Deliver the required documents to the borrower or refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. C B A A C B A A     Yes
[Redacted] [Redacted] [Redacted] 1519 30593191     Compliance Compliance State Compliance State Defect (TX50(a)(6)) Texas Cash-out Loan  (Itemization of Points and Fees Not Provided At Least 1 Business Day Prior to Closing - No Waiver) [Redacted] Constitution Section [Redacted] (a)([Redacted] ): Final itemized disclosure of fees, points, costs and charges not provided to borrower at least ([Redacted] ) business day prior to closing without a waiver.         Reviewer Comment (2024-05-29): Disclosure provided. Exception is clear.


Seller Comment (2024-05-29): Pre-Closing Package signed [redacted] uploaded
 05/29/2024     1 C A C A C A C A C A   TX Primary Refinance - Cash-out - Other Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. C B A A C B A A     Yes
[Redacted] [Redacted] [Redacted] 1519 30593192     Compliance Compliance State Compliance State Defect (TX50(a)(6)) Texas Cash-out Loan  (Loan Not Closed At Office of Lender, Attorney, or Title Company) [Redacted] Constitution Section [Redacted]([redacted] )([Redacted]):  Unable to determine if loan was closed at an authorized location due to missing documentation.                 2 B B B B B B B B B B   TX Primary Refinance - Cash-out - Other Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. C B A A C B A A     Yes
[Redacted] [Redacted] [Redacted] 1521 30586661     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   FL Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 1522 30595191     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Combined loan to value discrepancy.   Calculated combined loan to value percentage of  [redacted]% exceeds Guideline combined loan to value percentage of  [redacted]% due to difference in existing [redacted] lien balance.       Reviewer Comment (2024-05-30): First lien balance has been updated. Exception is clear.


Seller Comment (2024-05-30): Pg [redacted]documents already uploaded to investor shows new balance after [redacted] payment [redacted]


Reviewer Comment (2024-05-30): The approval is not sufficient to clear exception. [redacted]lien balance of  [redacted] (per the most recent statement in the file) + [redacted]lien of  [redacted]=  [redacted]/  [redacted] value= [redacted]%. Exception remains open.


Seller Comment (2024-05-30): Please see approval HCLTV is [redacted]%


Reviewer Comment (2024-05-29): [redacted] decimal points in our calculated CLTV is [redacted]% which exceeds the limit. Exception remains open.


Seller Comment (2024-05-29): INVALID- Industry standard is [redacted]decimal places, [redacted] is counting the [redacted]decimal place. HCLTV is [redacted]% and acceptable.
 05/30/2024     1 C A C A C A C A C A   FL Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1523 30632824     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing. - Missing Mortgage Statement/First payment letter for New [redacted] loan for REO -  [redacted],  [redacted], [redacted].       Reviewer Comment (2024-05-31): Statements provided. Exception is clear.


Seller Comment (2024-05-31): Please see Mortgage Statements
 05/31/2024     1 C A C A C A C A C A   GA Investment Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1529 30598667     Compliance Compliance Federal Compliance Missing Disclosure Notice of Special Flood Hazard Disclosure Not Provided Timely [redacted] Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing.                 2 B B B B B B B B B B   AL Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 1536 30650570     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.   Calculated investor qualifying total debt ratio of  [redacted]% exceeds Guideline total debt ratio of  [redacted]%, per Matrice dated [redacted].       Reviewer Comment (2024-05-31): DTI has been updated. Exception is clear.


Seller Comment (2024-05-31): Industry standard is [redacted] decimal places, [redacted] is counting the [redacted] decimal place. [redacted]% DTI is acceptable.
 05/31/2024     1 C A C A C A C A C A   NC Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1543 30601275     Compliance Compliance State Compliance Misc. State Level Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided Timely) [redacted]  [redacted]: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower within [redacted] business days of  receipt of the loan application.                 2 B B B B B B B B B B   WA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 1552 30634924     Credit Loan Package Documentation Closing / Title Loan Package Documentation Missing Document: Rider - [redacted]  Family not provided           Reviewer Comment (2024-06-06): Exception cleared. The Security Instrument does not reflect an attached [redacted].


Seller Comment (2024-06-04): Please see recorded mortgage. there is no [redacted].
 06/06/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1552 30655056     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Approval not provided   Approval provided in the file has the wrong property address.       Reviewer Comment (2024-06-06): Exception cleared.  Approval provided.


Seller Comment (2024-06-04): [redacted] Uploaded
 06/06/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1554 30635019     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   FL Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 1556 30593645     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   FL Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 1557 30635474     Compliance Compliance State Compliance State Defect Rhode Island Home Loan (Prohibited Acts and Practices Regarding High-Cost Home Loans Disclosure Not Signed) [redacted]  Home Loan: Prohibited Acts and Practices Regarding High-Cost Home Loans disclosure not properly executed. [redacted] Application Disclosure is not signed by Lender and Broker.       Reviewer Comment (2024-06-10): Disclosure provided. Exception is clear.


Seller Comment (2024-06-10): Please see uploaded document.


Reviewer Comment (2024-06-06): The lender signed disclosure was not located.


Seller Comment (2024-06-04): Signed RI doc uploaded
 06/10/2024     1 C A C A C A C A C A   RI Primary Refinance - Cash-out - Other   C A C A C A A A     No
[Redacted] [Redacted] [Redacted] 1557 30635476     Compliance Compliance State Compliance State Defect Rhode Island Home Loan (Prohibited Acts and Practices Regarding Home Loans Disclosure Not Signed) [redacted]  Home Loan: Prohibited Acts and Practices Regarding Home Loans Disclosure not properly executed. [redacted] Home Loan Disclosure not signed by Lender and Broker.       Reviewer Comment (2024-06-06): Exception cleared.


Seller Comment (2024-06-04): Signed RI doc uploaded
 06/06/2024     1 C A C A C A C A C A   RI Primary Refinance - Cash-out - Other   C A C A C A A A     No
[Redacted] [Redacted] [Redacted] 1557 30657151     Credit Hazard Insurance Document Error Hazard Insurance Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements.   [redacted] Mortgagee was not provided.       Reviewer Comment (2024-06-06): Exception cleared.


Seller Comment (2024-06-04): The file escrows and does not have a loan amount greater than [redacted]. The [redacted] mortgagee is not required.
 06/06/2024     1 C A C A C A C A C A   RI Primary Refinance - Cash-out - Other   C A C A C A A A     No
[Redacted] [Redacted] [Redacted] 1562 30657113     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on [redacted], prior to [redacted] business days from transaction date of [redacted].         Reviewer Comment (2024-06-06): Exception cleared.


Seller Comment (2024-06-04): The transaction date is [redacted] and disbursement is [redacted]. Enough time had passed for disbursement.
 06/06/2024     1 C A C A C A C A C A   SC Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C A A A C A A A     Yes
[Redacted] [Redacted] [Redacted] 1568 30656905     Credit Loan Package Documentation Loan File Missing Document  Missing Document: Hazard Insurance Policy not provided   The policy in the file does not have the borrower reflected as the insured party.       Reviewer Comment (2024-06-05): Exception cleared.


Seller Comment (2024-06-03): INVALID- [redacted] signed the Deed of Trust she is on HOI this is ok.
 06/05/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1570 30651312     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Combined loan to value discrepancy.   Calculated combined loan to value percentage of  [redacted]% exceeds Guideline combined loan to value percentage of  [redacted]%.       Reviewer Comment (2024-06-05): Exception cleared.  Most recent [redacted] mortgage balance reflected on the credit report used for CLTV.


Seller Comment (2024-06-03): Please re-review CLTV is [redacted]
 06/05/2024     1 C A C A C A C A C A   UT Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1570 30656799     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.   Calculated investor qualifying total debt ratio of [redacted]% exceeds Guideline total debt ratio of  [redacted]%. Used base income per paystubs provided.       Reviewer Comment (2024-06-05): Exception cleared.  The DTI is within tolerance.


Seller Comment (2024-06-03): Please re-review. DIT is  [redacted]
 06/05/2024     1 C A C A C A C A C A   UT Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1575 30642483     Compliance Compliance Federal Compliance TILA HELOC Fees Used For Testing Truth in Lending Act ([redacted] ): Fees disclosed on Line of Credit Closing Statement exceed those disclosed in HELOC Agreement. Fees from the Line of Credit Closing Statement are used in any federal, state, and local high cost testing.                 2 B B B B B B B B B B   NH Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 1578 30642454     Compliance Compliance State Compliance State Defect [redacted] [redacted] [redacted] Lending Database Program ([redacted]) - Certificate of Compliance or Exemption not attached to mortgage for recording. Certificate of Compliance not provided       Reviewer Comment (2024-06-07): Exception cleared.


Seller Comment (2024-06-05): [redacted] Anti Pred document uploaded
 06/07/2024     1 C A C A C A C A C A   IL Primary Refinance - Cash-out - Other   C A A A C A A A     No
[Redacted] [Redacted] [Redacted] 1595 30654061     Compliance Compliance State Compliance Misc. State Level Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided Timely) [redacted] [redacted]: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower within [redacted] business days of  receipt of the loan application.                 2 B B B B B B B B B B   WA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 1596 30653823     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. The file is missing Rate lock agreement               2 B B B B B B B B B B   TX Primary Refinance - Cash-out - Other   C B A A C B A A     No
[Redacted] [Redacted] [Redacted] 1596 30653836     Compliance Compliance State Compliance State Defect (TX50(a)(6)) Texas Cash-out Loan  (Itemization of Points and Fees Not Provided At Least 1 Business Day Prior to Closing - No Waiver) [redacted]Constitution Section [redacted]([redacted])([redacted]): Final itemized disclosure of fees, points, costs and charges not provided to borrower at least one ([redacted]) business day prior to closing without a waiver. [redacted] - Itemized Disclosure dated/signed [redacted] was not provided less than [redacted]days prior to closing dated [redacted].       Reviewer Comment (2024-06-07): Exception cleared.


Seller Comment (2024-06-05): Pre-Closing Package sent and signed [redacted] & loan closed [redacted].
 06/07/2024     1 C A C A C A C A C A   TX Primary Refinance - Cash-out - Other Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. C B A A C B A A     Yes
[Redacted] [Redacted] [Redacted] 1596 30657356     Compliance Compliance State Compliance State Defect (TX50(a)(6)) Texas Cash-out Loan  (No evidence that borrower received copies of all documents signed at closing) [redacted] Constitution Section [redacted]([redacted])([redacted]):  [redacted]Cash-out Loan.   No evidence that borrower(s) received copies of all documents signed at time of closing. Missing evidence the borrower(s) received copies of all documents signed at time of closing.       Reviewer Comment (2024-06-07): Exception cleared.


Seller Comment (2024-06-05): INVALID per title all borrowers at all closings receive a copy of the closing documents at closing
 06/07/2024     1 C A C A C A C A C A   TX Primary Refinance - Cash-out - Other Either Deliver the required documents to the borrower or refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. C B A A C B A A     Yes
[Redacted] [Redacted] [Redacted] 1600 30658563     Compliance Compliance Federal Compliance TILA TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act ([redacted] ): Credit Agreement not provided to borrower at time of account opening. Credit Agreement not provided to borrower at time of account opening.       Reviewer Comment (2024-06-07): Exception cleared.


Seller Comment (2024-06-05): INVALID see page [redacted] of [redacted]
 06/07/2024     1 C A C A C A C A C A   MA Primary Refinance - Cash-out - Other   C A A A C A A A     No
[Redacted] [Redacted] [Redacted] 1600 30658564     Compliance Compliance Federal Compliance TILA TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act ([redacted] ): "Billing Rights" disclosure not provided to borrower at time of account opening. "[redacted] " disclosure not provided to borrower at time of account opening.       Reviewer Comment (2024-06-07): Exception cleared.


Seller Comment (2024-06-05): Billings Rights Disclosure uploaded
 06/07/2024     1 C A C A C A C A C A   MA Primary Refinance - Cash-out - Other   C A A A C A A A     No
[Redacted] [Redacted] [Redacted] 1600 30658565     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act:  Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). Actual Date on Notice of Right to Cancel occurs prior to expected date.       Reviewer Comment (2024-06-07): Exception cleared.


Seller Comment (2024-06-05): INVALID - This is ok.The transaction date is [redacted] and disbursement is [redacted]. Enough time had passed for disbursement.
 06/07/2024     1 C A C A C A C A C A   MA Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C A A A C A A A     Yes
[Redacted] [Redacted] [Redacted] 1606 30662039     Compliance Loan Package Documentation Closing / Title Missing, Incorrect, or Incomplete Note Missing Document: Note - Subject Lien not provided             06/07/2024     1 D A D A D A D A D A   CO Investment Refinance - Cash-out - Other   D A A A D A A A     No
[Redacted] [Redacted] [Redacted] 1606 30662071     Compliance Compliance State Compliance Misc. State Level Colorado Consumer Credit Code (Borrower Written Reason for Loan, Modification, or Refinance Not Provided) [redacted] Consumer Credit Code: Borrower did not provided a written description of reasons for seeking loan, modification, or refinance.           06/07/2024     1 B A B A B A B A B A   CO Investment Refinance - Cash-out - Other   D A A A D A A A     No
[Redacted] [Redacted] [Redacted] 1606 30662072     Compliance Compliance State Compliance State Defect Colorado Consumer Credit Code (Co-Signer Disclosure Not Provided) [redacted] Consumer Credit Code: Co-signer/guarantor signed the security instrument without receiving a written notice that informs them of their obligations under the loan.           06/07/2024     1 C A C A C A C A C A   CO Investment Refinance - Cash-out - Other   D A A A D A A A     No
[Redacted] [Redacted] [Redacted] 1606 30662073     Compliance Compliance State Compliance State Defect Colorado Consumer Credit Code (Choice of Insurance and Cost of Insurance Disclosure Not Provided) [redacted] Consumer Credit Code:  Borrower not provided a written statement setting forth the cost of homeowners insurance if obtained from lender and that borrower may choose insurance provider.           06/07/2024     1 C A C A C A C A C A   CO Investment Refinance - Cash-out - Other   D A A A D A A A     No
[Redacted] [Redacted] [Redacted] 1606 30662074     Compliance Compliance State Compliance State Defect Colorado Consumer Credit Code (TILA and Reg Z Disclosures Not Provided) [redacted] Consumer Credit Code:  Lender did not provide all TILA and Reg. Z disclosures (even for loan class exempt from TILA requirements).           06/07/2024     1 C A C A C A C A C A   CO Investment Refinance - Cash-out - Other   D A A A D A A A     No
[Redacted] [Redacted] [Redacted] 1611 30661459     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Combined loan to value discrepancy. Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. The calculated combined loan to value percentage of  [redacted]% exceeds the guideline combined loan to value percentage of  [redacted]%.       Reviewer Comment (2024-06-03): Acceptable with rounding.
 06/03/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1613 30663312     Compliance Compliance Federal Compliance Missing Disclosure Notice of Special Flood Hazard Disclosure Not Provided Timely [redacted] Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing.                 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 1619 30662037     Compliance Compliance Federal Compliance Missing Disclosure Notice of Special Flood Hazard Disclosure Not Provided Timely [redacted] Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing.                 2 B B B B B B B B B B   AZ Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 1625 30711950     Compliance Compliance Federal Compliance TILA HELOC Fees Used For Testing Truth in Lending Act ([redacted] ): Fees disclosed on Line of Credit Closing Statement exceed those disclosed in HELOC Agreement. Fees from the Line of Credit Closing Statement are used in any federal, state, and local high cost testing.                 2 B B B B B B B B B B   NC Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 1629 30712372     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - ___ Award letter not provided for non-employment income. [redacted] in file only.       Reviewer Comment (2024-06-11): Income sufficiently verified. Exception is clear.


Seller Comment (2024-06-11): INVALID - [redacted] Annuity is an income product that provides you with fixed monthly income that is guaranteed for life. Please see pages starting [redacted].
 06/11/2024     1 C A C A C A C A C A   CO Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1630 30694084     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - ___ W-2 ([redacted]), W-2 ([redacted]) not provided.       Reviewer Comment (2024-06-10): Client attests income sufficiently verified. Exception is clear.


Seller Comment (2024-06-07): Borrower does not receive W2's or tax documents. He is a care provider and is paid by [redacted]. That income was verified and the VOE can be found on page [redacted].
 06/10/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1648 30696242     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   FL Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 1650 30712650     Compliance Compliance State Compliance State Defect (TX50(a)(6)) Texas Cash-out Loan  (Lien was not voluntarily originated with the consent of all owners) [redacted]Constitution Section [redacted]([redacted])([redacted]):  [redacted] Cash-out Loan.   Loan not originated voluntarily by consumer.  Note not signed.         Reviewer Comment (2024-06-12): Information has been updated. Exception is clear.


Seller Comment (2024-06-12): INVALID see page [redacted]documents already uploaded to investor
 06/12/2024     1 C A C A C A C A C A   TX Primary Refinance - Cash-out - Other With respect to the non-consent by owner, obtain their consent.  However, with respect to the unsigned note, this could be an issue with the loan generally outside of 50(a)(6).  
(Note: Failure to obtain the consent will result in not having a lien against the property)		 C A C A C A A A     Yes
[Redacted] [Redacted] [Redacted] 1650 30717081     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.   The subject property is located in a FEMA disaster that does not have a declared end date.       Reviewer Comment (2024-06-14): PDI provided. Exception is clear.


Seller Comment (2024-06-14): PDI uploaded
 06/14/2024     1 C A C A C A C A C A   TX Primary Refinance - Cash-out - Other   C A C A C A A A     No
[Redacted] [Redacted] [Redacted] 1653 30709882     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.   DTI exceeds due to lower rental income       Reviewer Comment (2024-06-11): REO has been updated. Exception is clear.


Seller Comment (2024-06-11): INVALID see Compliance Ease Report  pg [redacted] DTI is  [redacted]
 06/11/2024     1 C A C A C A C A C A   DC Investment Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1655 30713310     Compliance Compliance State Compliance Misc. State Level Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided Timely) [redacted] [redacted]: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower within [redacted] business days of  receipt of the loan application.                 2 B B B B B B B B B B   WA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 1658 30713901     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   FL Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 1658 30713905     Compliance Compliance Federal Compliance Missing Disclosure Notice of Special Flood Hazard Disclosure Not Provided Timely FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing.                 2 B B B B B B B B B B   FL Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 1664 30771250     Compliance Compliance Federal Compliance TILA Right of Rescission Not Provided - Purchase HELOC Truth in Lending Act:  Notice of Right to Cancel was not provided at account opening on a HELOC Residential Mortgage Transaction (entire line drawn at account opening for purchase of a dwelling).  HELOC Plan is subject to rescission until a Notice of Right to Cancel is provided and the rescission period expires.                 2 B B B B B B B B B B   MS Primary Purchase LOE, reopen rescission (new NORTC and new 3-day rescission period) and proof of receipt B B A A B B A A     Yes
[Redacted] [Redacted] [Redacted] 1668 30761546     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.   The subject property is located in a FEMA disaster area. A post disaster inspection verifying there was no damage to the subject property is required.  No valuation product provided.       Reviewer Comment (2024-06-17): Valuation provided. Exception is clear.


Seller Comment (2024-06-14): Drive By completed [redacted]uploaded
 06/17/2024     1 C A C A C A C A C A   WA Primary Refinance - Cash-out - Other   D A C A A A D A     No
[Redacted] [Redacted] [Redacted] 1668 30761589     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. No eligible valuation was provided. Sec ID: [redacted] Note Date:  ___; Lien Position: ___ No valuation product provided.       Reviewer Comment (2024-06-17): Valuation provided. Exception is clear.


Seller Comment (2024-06-14): Correction Drive by Uploaded


Seller Comment (2024-06-14): AVM uploaded
 06/17/2024     1 D A D A D A   A D A   WA Primary Refinance - Cash-out - Other   D A C A A A D A     No
[Redacted] [Redacted] [Redacted] 1689 30772576     Compliance Compliance State Compliance Misc. State Level Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided Timely) [redacted] [redacted]: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower within [redacted] business days of  receipt of the loan application.                 2 B B B B B B B B B B   WA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 1698 30785297     Credit Loan Package Documentation Application / Processing Loan Package Documentation Mismatch of data related to Occupancy. -           06/20/2024     1 C A C A C A C A C A   GA Second Home Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 1698 30789699     Compliance Compliance Federal Compliance Missing Required Data (other than HUD-1 or Note) Disparity in Occupancy - Not High Cost and Not Higher Priced The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of [redacted]Home).                 2 B B B B B B B B B B   GA Second Home Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 1699 30771587     Compliance Compliance Federal Compliance Missing Disclosure Notice of Special Flood Hazard Disclosure Not Provided Timely [redacted] Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing.                 2 B B B B B B B B B B   NJ Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 1706 30769301     Credit Loan Package Documentation Loan File Missing Document  Missing Document: Hazard Insurance Policy not provided           Reviewer Comment (2024-07-05): Exception cleared.  Policy has been provided.


Seller Comment (2024-07-02): Uploaded HOI decpage


Reviewer Comment (2024-06-24): [redacted] guides are not the guidelines submitted with this file for review. Exception is assigned to the buyer for review.


Seller Comment (2024-06-21): [redacted] to review with [redacted] guidelines. INVALID-The file escrows and does not have a loan amount greater than[redacted]. The [redacted] mortgagee is not required.


Reviewer Comment (2024-06-20): The guidelines submitted for this review are the [redacted] guides and [redacted] lien mortgagee is required.


Seller Comment (2024-06-20): [redacted] to review with[redacted] guidelines.


Seller Comment (2024-06-20): INVALID-The file escrows and does not have a loan amount greater than [redacted]. The [redacted]nd mortgagee is not required.


Reviewer Comment (2024-06-18): Policy provided does not have mortgagee information. Please provide policy with mortgagee.


Seller Comment (2024-06-17): hoi uploaded


Reviewer Comment (2024-06-14): Policy was not received with the paystub that was uploaded.


Seller Comment (2024-06-14): HOI uploaded
 07/05/2024     1 C A C A C A C A C A   FL Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1706 30769489     Credit Income / Employment Income Documentation Income / Employment Income documentation requirements not met.   Missing YTD paystub for Borrower       Reviewer Comment (2024-06-14): Paystub provided. Exception is clear.


Seller Comment (2024-06-14): Paystub uploaded
 06/14/2024     1 C A C A C A C A C A   FL Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1708 30789885     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   FL Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 1712 30791204     Compliance Compliance State Compliance State Defect [redacted] [redacted] [redacted] Predatory Lending Database Program[redacted]- Certificate of Compliance or Exemption not attached to mortgage for recording. [redacted] Certificate of Compliance is missing       Reviewer Comment (2024-06-20): County has been updated. Exception is clear.


Seller Comment (2024-06-20): INVALID-  Per title [redacted] county is not one that requires the cert to be included or completed
 06/20/2024     1 C A C A C A C A C A   IL Primary Refinance - Cash-out - Other   C A A A C A A A     No
[Redacted] [Redacted] [Redacted] 1719 30802506     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Approval not provided   Lender approval in the file is missing the DTI and housing ratios.       Reviewer Comment (2024-06-17): Approval provided in the file is acceptable.
 06/17/2024     1 C A C A C A C A C A   IL Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1739 30785889     Credit Income / Employment Income Documentation Income / Employment Income documentation requirements not met.   File is missing the Award Letter or other reliable verification of the Borrowers Annuity Income       Reviewer Comment (2024-06-19): Award letter provided. Exception is clear.


Seller Comment (2024-06-18): Please see page [redacted] of [redacted] and uploaded  [redacted] Retirement Award Letter
 06/19/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1755 30807476     Credit Hazard Insurance Document Error Hazard Insurance Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements.   [redacted] lien holder not disclosed as mortgagee on declaration page.       Reviewer Comment (2024-07-09): Guidelines stated were not the guidelines submitted for this review however loan closed after new guidelines were active. Exception is clear


Seller Comment (2024-07-08): INVALID please review [redacted] guidelines. The file escrows and does not have a loan amount greater than[redacted]. The [redacted] mortgage is not required.


Reviewer Comment (2024-06-24): Guidelines submitted for this review are the [redacted]  guides and the [redacted] lien mortgagee is required. Unable to apply different guidelines. Exception is assigned to buyer for review.


Seller Comment (2024-06-21): Please refer to the guidelines from [redacted].


Reviewer Comment (2024-06-20): Please provide guideline validating that the [redacted] lien mortgagee is not required.


Seller Comment (2024-06-20): Loan amount is less than  [redacted] and insurance is escrowed in the [redacted] mortgage. The [redacted] mortgagee is not required.
 07/09/2024     1 C A C A C A C A C A   NJ Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1760 30801472     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.   Borrower income is less than compared to approval.
.		       Reviewer Comment (2024-06-25): Income has been updated. Exception is clear.


Seller Comment (2024-06-24): [redacted]  average of K-[redacted] and W[redacted] income from [redacted] group is $ [redacted]. [redacted]  W[redacted] income figure listed on [redacted] . Spouse is schedule C income.
 06/25/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1761 30800951     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.   Primary residence has a HELOC as well, the lender used a  payment of $ [redacted] which is shown on the credit report, but the statement in the file shows a payment of $ [redacted].       Reviewer Comment (2024-07-17): Bonus income has been updated. Exception is clear.


Seller Comment (2024-07-16): Bonus income is annualized to be conservative. When the end date from WVOE is entered and the [redacted]  + YTD figure is used, the DTI is in line.


Reviewer Comment (2024-07-16): The exception is assigned to the buyer for review.


Seller Comment (2024-07-16): All [redacted] requires if the use of the payment listed on credit report. Even when the payment is [redacted] on HELOCs.


Reviewer Comment (2024-07-10): The statement in file is dated [redacted] with a payment due date of [redacted]. Payment due is $ [redacted]. This is the most recent statement that was provided in the file.


Seller Comment (2024-07-09): Current payment due is showing $ [redacted]. $ [redacted] was their [redacted] payment.


Reviewer Comment (2024-06-24): Exception is assigned to buyer for review.


Seller Comment (2024-06-21): Payments vary each [redacted] on HELOCs based on loan amount used and the interest charged on the outstanding balance


Reviewer Comment (2024-06-20): Unable to use credit report payment as that is not the most recent payment due. Borrower does not meet requirements to use extended DTI max of  [redacted]. Exception is assigned to the buyer for review.


Seller Comment (2024-06-20): Credit report amount was used.


Seller Comment (2024-06-20): [redacted] payment was the [redacted] [redacted] . Shown on the same statement.
 07/17/2024     1 C A C A C A C A C A   WA Investment Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1766 30791685     Compliance Compliance Federal Compliance TILA HELOC Fees Used For Testing Truth in Lending Act (HELOC): Fees disclosed on Line of Credit Closing Statement exceed those disclosed in HELOC Agreement. Fees from the Line of Credit Closing Statement are used in any federal, state, and local high cost testing.                 2 B B B B B B B B B B   MT Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 1773 30799635     Compliance Compliance State Compliance State Defect (TX50(t)(5)) (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal). No appraisal or valuation value used to determine LTV.  Unable to determine compliance with [redacted](t)([redacted]) CLTV limitation due to missing appraisal or other evaluation to verify property value/LTV AVM appraisal is used to determine LTV.               2 B B B B B B B B B B   TX Primary Refinance - Cash-out - Other Send the borrower a written acknowledgement that the lien is valid only in the amount that the extension of credit does not exceed the CLTV of 80%. B B A A B B A A     Yes
[Redacted] [Redacted] [Redacted] 1776 30823699     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on [redacted], prior to [redacted] business days from transaction date of [redacted]. Subject loan transaction disbursed on [redacted], prior to [redacted] business days from transaction date of [redacted].       Reviewer Comment (2024-06-28): Remedition documents provided. Exception is cured.


Seller Comment (2024-06-26): Proof of mailing, RTC, and Letter uploaded


Reviewer Comment (2024-06-24): The ROR provided in the file reflects an expiration date of [redacted] however the transaction date is [redacted]. Cure for exception is LOX to borrower, proof of delivery and Re-open of rescission.


Seller Comment (2024-06-24): Loan disbursed on [redacted] and transaction date is [redacted]. Please re-review.
   06/28/2024   2 C B C B C B C B C B   NJ Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B A A C B A A     Yes
[Redacted] [Redacted] [Redacted] 1776 30823700     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act:  Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). Subject loan transaction disbursed on [redacted], prior to [redacted] business days from transaction date of [redacted].       Reviewer Comment (2024-06-28): Remedition documents provided. Exception is cured.


Seller Comment (2024-06-26): Proof of mailing, RTC, and Letter uploaded


Reviewer Comment (2024-06-24): The ROR provided in the file reflects an expiration date of [redacted] however the transaction date is [redacted]. Cure for exception is LOX to borrower, proof of delivery and Re-open of rescission.


Seller Comment (2024-06-24): Loan disbursed on [redacted] and transaction date is [redacted]. Please re-review.
   06/28/2024   2 C B C B C B C B C B   NJ Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B A A C B A A     Yes
[Redacted] [Redacted] [Redacted] 1777 30823786     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Combined loan to value discrepancy.   Guideline allowable maximum limit of CLTV  [redacted]%, Caluclated LTV is  [redacted]%       Reviewer Comment (2024-06-26): [redacted]lien balance updated. Exception is clear.


Seller Comment (2024-06-25): Credit report shows mortgage balance of  [redacted]with a DLA more recent than the mortgage statement. HCLTV [redacted]
 06/26/2024     1 C A C A C A C A C A   FL Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1780 30821883     Property Property - Appraisal Appraisal Data Integrity Property - Appraisal Appraiser's license or certification was not active at the time of the appraisal. -           06/26/2024     1 C A C A C A C A C A   WA Primary Refinance - Cash-out - Other   C B A A B B C A     No
[Redacted] [Redacted] [Redacted] 1780 30822102     Compliance Compliance State Compliance Misc. State Level Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided Timely) [redacted] [redacted]: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower within [redacted] business days of  receipt of the loan application.                 2 B B B B B B B B B B   WA Primary Refinance - Cash-out - Other   C B A A B B C A     No
[Redacted] [Redacted] [Redacted] 1782 30825941     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form Notice of Right To Cancel Not Provided to All Required Parties Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest. Missing Notice of Right to Cancel signed by non-borrowing spouse on title.       Reviewer Comment (2024-07-15): All remediation documents provided. Exception is clear.


Seller Comment (2024-07-12): RTC, Letter, and Proof of Mailing uploaded


Reviewer Comment (2024-07-09): Rescission provided does not meet requirements. Borrower signed RTC however the expiration date is the same as the signature date. LOX to borrower, proof of delivery and re-open of rescission is required to cure.


Seller Comment (2024-07-08): RTC uploaded
   07/15/2024   2 C B C B C B C B C B   MD Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B A A C B A A     Yes
[Redacted] [Redacted] [Redacted] 1787 30837938     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.             07/01/2024     1 C A C A C A C A C A   IL Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1790 30838768     Compliance Compliance State Compliance Misc. State Level Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) [redacted] Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender.                 2 B B B B B B B B B B   OH Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 1793 30835640     Credit Income / Employment Income Documentation Income / Employment Income documentation requirements not met.   File is missing a reliable Third Party Verification document of the Borrowers Sole Proprietorship Business status.       Reviewer Comment (2024-06-26): Third party verification provided. Exception is clear.


Seller Comment (2024-06-25): Page [redacted] contains license, and Tax Transcripts were provided. This shows verification of borrowers self employment.
 06/26/2024     1 C A C A C A C A C A   NJ Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1798 30833649     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   VA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 1799 30894759     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Approval not provided   The Approval worksheet provided is missing DTI.       Reviewer Comment (2024-06-28): Approval provided. Exception is clear.


Seller Comment (2024-06-26): approval attached
 06/28/2024     1 C A C A C A C A C A   NV Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1806 30889969     Compliance Compliance Federal Compliance TILA TILA HELOC - HELOC Brochure Not Provided Timely Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower at application.         Reviewer Comment (2024-07-05): Exception cleared.  HELOC Brochure/Booklet has been provided.


Seller Comment (2024-07-02): INVALID- Initial Disclosures uploaded please advise. There is no document called HELOC Brochure.
 07/05/2024     1 C A C A C A C A C A   AZ Primary Refinance - Cash-out - Other   C A A A C A A A     No
[Redacted] [Redacted] [Redacted] 1810 30891570     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.   Calculated DTI of  [redacted]% exceeds the guidelines minimum DTI or [redacted]% due to borrower having less income than qualified for.       Reviewer Comment (2024-06-26): Guidelines DTI updated to  [redacted]. Exception is clear.


Seller Comment (2024-06-25): Income figures used are the same. The proposed housing expense was off. Loan qualifies for > [redacted] meets residual income and FICO requirements and DTI is less than  [redacted].
 06/26/2024     1 C A C A C A C A C A   NJ Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1818 30894892     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Approval not provided   Incomplete Approval missing a DTI.       Reviewer Comment (2024-06-26): Approval document received. - Exception Cleared.


Seller Comment (2024-06-25): approval attached
 06/26/2024     1 C A C A C A C A C A   OH Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1826 30904955     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Approval not provided   Approval is missing DTI.       Reviewer Comment (2024-07-01): Approval document received and associated in Clarity. Exception Cleared.


Seller Comment (2024-06-27): attached
 07/01/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1829 30904954     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Approval not provided   Approval is missing DTI.       Reviewer Comment (2024-07-01): Approval received and updated. Exception cleared


Seller Comment (2024-06-27): [redacted] uploaded
 07/01/2024     1 C A C A C A C A C A   IL Primary Refinance - Cash-out - Other   C A C A C A A A     No
[Redacted] [Redacted] [Redacted] 1829 30904997     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on [redacted], prior to [redacted] business days from transaction date of [redacted]. Security instrument shows that it was notarized on [redacted] which is after the Note date of [redacted].       Reviewer Comment (2024-07-23): Transaction date has been updated. Exception is clear.


Seller Comment (2024-07-22): Corrected mortgage uploaded


Reviewer Comment (2024-07-02): The Security Instrument was notarized on [redacted] which updates the transaction date to the same. Exception remains open.


Seller Comment (2024-06-27): Transaction date is [redacted], not [redacted]. Please re-review.
 07/23/2024     1 C A C A C A C A C A   IL Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C A C A C A A A     Yes
[Redacted] [Redacted] [Redacted] 1829 30904998     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act:  Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). Security instrument shows that it was notarized on [redacted] which is after the Note date of [redacted].       Reviewer Comment (2024-07-23): Transaction date has been updated. Exception is clear.


Reviewer Comment (2024-07-02): The Security Instrument was notarized on [redacted] which updates the transaction date to the same. Exception remains open.


Seller Comment (2024-06-27): Transaction date is [redacted], not[redacted]. Please re-review.
 07/23/2024     1 C A C A C A C A C A   IL Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C A C A C A A A     Yes
[Redacted] [Redacted] [Redacted] 1830 30905090     Compliance Compliance State Compliance Misc. State Level Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided Timely) [redacted] [redacted]: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower within [redacted] business days of  receipt of the loan application.                 2 B B B B B B B B B B   WA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 1832 30910701     Credit Income / Employment Income Documentation Income / Employment Income documentation requirements not met.   Missing history of receipt and probability of [redacted] years continuance to support B2's $[redacted] monthly VA Benefits (non-educational) used to qualify.       Reviewer Comment (2024-06-26): [redacted] Verification of Benefits received & associated.


Seller Comment (2024-06-25): per our guidelines a copy of the most recent award letter detailing the amount of the payment received is sufficient. Certificate of Eligibility attached
 06/26/2024     1 C A C A C A C A C A   SC Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1835 30910676     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Approval not provided   Approval is missing DTI.       Reviewer Comment (2024-07-01): Exception cleared - Received approval document and updated the [redacted].


Seller Comment (2024-06-27): [redacted] uploaded
 07/01/2024     1 C A C A C A C A C A   FL Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1840 30911029     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Approval not provided   Approval is missing DTI.       Reviewer Comment (2024-07-02): Approval provided. Exception is clear.


Seller Comment (2024-06-27): [redacted] uploaded
 07/02/2024     1 C A C A C A C A C A   IL Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1845 30921362     Compliance Compliance State Compliance Misc. State Level Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) [redacted] Consumer Sales Practices Act:  Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit.                 2 B B B B B B B B B B   OH Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 1850 30914485     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Approval not provided   Approval document in the file is missing the LTV and CLTV values for this loan.       Reviewer Comment (2024-07-01): Exception cleared - Received approval document and updated the [redacted].


Seller Comment (2024-06-27): [redacted] uploaded
 07/01/2024     1 C A C A C A C A C A   FL Investment Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1853 30911549     Compliance Compliance Federal Compliance TILA HELOC Fees Used For Testing Truth in Lending Act (HELOC): Fees disclosed on Line of Credit Closing Statement exceed those disclosed in HELOC Agreement. Fees from the Line of Credit Closing Statement are used in any federal, state, and local high cost testing.                 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 1862 30915910     Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. - "Subject To" appraisal, 442 not provided in file.       Reviewer Comment (2024-07-03): 442 - Certificate of Completion document received and associated in Clarity. Exception Cleared.


Seller Comment (2024-07-01): Please see 1004D
 07/03/2024     1 C A C A C A C A C A   TX Primary Refinance - Cash-out - Other   C A A A C A C A     No
[Redacted] [Redacted] [Redacted] 1862 30916020     Compliance Compliance State Compliance State Defect (TX50(a)(6)) Texas Cash-out Loan  (Itemization of Points and Fees Not Provided At Least 1 Business Day Prior to Closing - No Waiver) [redacted] Constitution Section 50(a)(6): Final itemized disclosure of fees, points, costs and charges not provided to borrower at least [redacted] business day prior to closing without a waiver. State disclosure not provided.       Reviewer Comment (2024-07-03): Exception cleared.  Document provided at least one day prior to closing.


Seller Comment (2024-07-01): A CD was sent to the borrower on [redacted] prior to closing. Please see CD and proof of reception.
 07/03/2024     1 C A C A C A C A C A   TX Primary Refinance - Cash-out - Other Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. C A A A C A C A     Yes
[Redacted] [Redacted] [Redacted] 1864 30914859     Compliance Compliance State Compliance Misc. State Level Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided Timely) [redacted] [redacted]: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower within [redacted] business days of  receipt of the loan application.                 2 B B B B B B B B B B   WA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 1867 30916167     Compliance Compliance State Compliance Misc. State Level Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) [redacted] Consumer Sales Practices Act:  Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit.                 2 B B B B B B B B B B   OH Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 1869 30944280     Credit Income / Employment Income Documentation Income / Employment Income documentation requirements not met.   Missing documentation supporting qualifying income.  The Work Number VOE provided does not reflect income data.  Paystubs and W-2s not provided.       Reviewer Comment (2024-07-02): Income documents provided. Exception is clear.


Seller Comment (2024-06-28): W2's and Paystubs uploaded
 07/02/2024     1 C A C A C A C A C A   MD Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 1869 30944281     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - Missing documentation supporting qualifying income.  The Work Number VOE provided does not reflect income data.  Paystubs and W-2s not provided.       Reviewer Comment (2024-07-02): Income documents provided. Exception is clear.


Seller Comment (2024-06-28): W2's and Paystubs uploaded
 07/02/2024     1 C A C A C A C A C A   MD Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 1869 30944293     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Approval not provided   Approval document does not reflect DTI.       Reviewer Comment (2024-07-02): Approval provided. Exception is clear.


Seller Comment (2024-06-28): [redacted] uploaded
 07/02/2024     1 C A C A C A C A C A   MD Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 1869 30944351     Compliance Compliance State Compliance Misc. State Level Maryland Ability to Repay Not Verified [redacted]:  Borrower's ability to repay not verified with reliable documentation. Approval document does not reflect final Total Income (qualifying income) or DTI.  Final approval with updated terms is required.               2 B B B B B B B B B B   MD Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 1870 30944429     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Approval not provided   [redacted] Approval spreadsheet in file has no DTI. Please provide final approval.       Reviewer Comment (2024-07-02): Approval provided. Exception is clear.


Seller Comment (2024-06-28): [redacted] uploaded
 07/02/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1876 30997654     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Approval not provided   Approval is missing DTI.       Reviewer Comment (2024-07-05): Exception cleared.  An Approval has been provided.


Seller Comment (2024-07-02): [redacted] uploaded
 07/05/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1880 30928895     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Approval not provided   Approval provided is missing DTI.       Reviewer Comment (2024-06-28): Approval copy received, exception cleared


Seller Comment (2024-06-27): attached
 06/28/2024     1 C A C A C A C A C A   NC Investment Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1882 30928824     Credit Credit Credit Documentation Missing Document  Missing Document: Credit Report not provided   Credit Report is not provided.       Reviewer Comment (2024-07-01): Credit report provided. Exception is clear.


Seller Comment (2024-06-27): attached
 07/01/2024     1 D A D A D A D A D A   AZ Primary Refinance - Cash-out - Other   D A D A A A A A     No
[Redacted] [Redacted] [Redacted] 1882 30928829     Credit Loan Package Documentation Loan File Missing Document  Missing Document: Hazard Insurance Policy not provided   Hazard Insurance Policy for subject property is not provided.       Reviewer Comment (2024-06-28): Hazard Policy received, exception cleared


Seller Comment (2024-06-27): Attached
 06/28/2024     1 C A C A C A C A C A   AZ Primary Refinance - Cash-out - Other   D A D A A A A A     No
[Redacted] [Redacted] [Redacted] 1883 30933781     Compliance Compliance State Compliance Misc. State Level Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided Timely) [redacted] [redacted]: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower within [redacted] business days of  receipt of the loan application.                 2 B B B B B B B B B B   WA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 1884 30991869     Compliance Compliance State Compliance Misc. State Level Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided Timely) [redacted] [redacted]: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower within [redacted] business days of  receipt of the loan application.                 2 B B B B B B B B B B   WA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 1888 30996735     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Approval not provided   Approval is missing DTI.       Reviewer Comment (2024-07-10): Approval provided. Exception is clear.


Seller Comment (2024-07-09): Final Approval matches documents.


Seller Comment (2024-07-09): [redacted] is the LTV calculated using draw only. P&I for [redacted] and [redacted] are matching,


Reviewer Comment (2024-07-08): Provided approval has LTV of [redacted] however calculated LTV is [redacted] DTI is mismatch and P&I of both the lien are not matching. Require correct approval to proceed. Exception Remains.


Seller Comment (2024-07-05): Approval uploaded
 07/10/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1893 30978022     Credit Guideline Guideline Issue Guideline Borrower has been on current job less than [redacted] years, and prior employment history was not documented as required. - Missing VOE or W-2's from previous employment to cover [redacted] year history.       Reviewer Comment (2024-07-03): Exception cleared.  The employment history was documented as required.


Seller Comment (2024-07-01): Please re-review final [redacted] history was provided.
 07/03/2024     1 C A C A C A C A C A   OR Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1896 30947229     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Approval not provided   Approval provided is missing DTI.       Reviewer Comment (2024-07-02): Exception cleared.  A complete Approval has been provided.


Seller Comment (2024-06-28): [redacted] uploaded
 07/02/2024     1 C A C A C A C A C A   OR Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1897 30923183     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - W-2 for year [redacted] and [redacted] is missing       Reviewer Comment (2024-07-01): Exception Cleared - Received [redacted] for year [redacted]and[redacted]document associated and data updated as per provided documents.


Seller Comment (2024-06-27): Attached
 07/01/2024     1 C A C A C A C A C A   CO Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1897 30923212     Credit Income / Employment Income Documentation Income / Employment Income documentation requirements not met.   W-2 for year [redacted] and [redacted] is missing       Reviewer Comment (2024-07-01): Exception Cleared - Received [redacted] for year [redacted] and[redacted]document associated and data updated as per provided documents.


Seller Comment (2024-06-27): attached
 07/01/2024     1 C A C A C A C A C A   CO Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1901 30968948     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Approval not provided   Missing DTI, LTV and CLTV       Reviewer Comment (2024-07-02): Approval provided. Exception is clear.


Seller Comment (2024-06-28): [redacted] uploaded
 07/02/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1904 30977077     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on [redacted], prior to [redacted] business days from transaction date of [redacted]. Subject loan transaction disbursed on [redacted], prior to [redacted] business days from transaction date of [redacted]       Reviewer Comment (2024-07-09): Disbursement date has been updated. Exception is clear.


Seller Comment (2024-07-05): NVALID-The transaction date is [redacted] and disbursement is [redacted]. Enough time had passed for disbursement.
 07/09/2024     1 C A C A C A C A C A   OR Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C A A A C A A A     Yes
[Redacted] [Redacted] [Redacted] 1906 30978873     Credit Guideline Guideline Issue Guideline Borrower has been on current job less than [redacted] years, and prior employment history was not documented as required. - Missing a VOE or W-2 from previous employment to verify [redacted] year history.       Reviewer Comment (2024-07-03): Exception cleared.  The employment history was documented as required.


Seller Comment (2024-07-01): Please re-review final [redacted] years of employment was provided. Income docs from [redacted] were also provided to show employments for [redacted].
 07/03/2024     1 C A C A C A C A C A   GA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1912 30984424     Compliance Compliance Federal Compliance TILA HELOC Fees Used For Testing Truth in Lending Act (HELOC): Fees disclosed on Line of Credit Closing Statement exceed those disclosed in HELOC Agreement. Fees from the Line of Credit Closing Statement are used in any federal, state, and local high cost testing.                 2 B B B B B B B B B B   NJ Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 1917 30984673     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   FL Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 1918 30923999     Credit Income / Employment Income Documentation Income / Employment Income documentation requirements not met.   File did not contain the VA Disability award letter       Reviewer Comment (2024-06-28): [redacted] Benefits provided. Exception is clear.


Seller Comment (2024-06-26): [redacted] Certificate of Eligibility was provided on [redacted] of the file upload.
 06/28/2024     1 C A C A C A C A C A   FL Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1920 30988419     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Approval not provided   Approval document in the file references a different Property Address.       Reviewer Comment (2024-07-08): Approval received, exception cleared.


Seller Comment (2024-07-05): Approval uploaded
 07/08/2024     1 C A C A C A C A C A   NC Second Home Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1925 31036796     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.   The mortgage payment for [redacted] was excluded from Lender calculations, however per guidelines evidence of non-borrower payment is missing.       Reviewer Comment (2024-07-08): Exception cleared - This property is owned by non-borrower therefore not considered.


Seller Comment (2024-07-05): Mortgage statement showing the borrower is not obligated. Taxes and insurance are escrowed.


Seller Comment (2024-07-05): *This MTG is secured to  [redacted] [redacted] address. Property expenses and Mortgage obligation exclusion is supported with MTG Statement and Copy of The Mortgage Note received confirming borrower is not obligated. borrower is only owner on deed.  Also received most recent  [redacted] months mortgage Statements confirmings Acceptable payment history as required for all REOs owned that have a mortgage secured to them.
 07/08/2024     1 C A C A C A C A C A   MD Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1926 30985110     Compliance Compliance State Compliance Misc. State Level Minnesota Residential Mortgage Originator and Servicer Licensing Act (Counseling Requirement) [redacted] Originator and Servicer Licensing Act: Refinance of a "special mortgage" without evidence that borrower received counseling on advisability of transaction by an authorized independent loan counselor.                 2 B B B B B B B B B B   MN Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 1938 31035355     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.   Lender's approval document reflects DTI of [redacted]%.  Calculated DTI of [redacted]% exceeds lender's approval as supplemental taxes on subject property were not accounted for in lender's calculation.       Reviewer Comment (2024-07-18): Taxes have been updated. Exception is clear.


Seller Comment (2024-07-17): Those supplemental taxes were in the past, and are not assessed for [redacted]. They will not continue going forward. The base tax amount for [redacted] is the total tax.


Reviewer Comment (2024-07-12): Final approval received however the variance in [redacted] taxes is still causing a DTI issue. [redacted] only considered  [redacted] a [redacted] for taxes however per the title search provided, the correct [redacted] tax amount is [redacted]. We updated the P&I to  [redacted] to match the HELOC Settlement Statement but because of the taxes the DTI is still at [redacted].


Seller Comment (2024-07-11): Final approval uploaded


Reviewer Comment (2024-07-09): The second P&I used by [redacted] is  [redacted] which matches the approval provided in the file. The variance is with the taxes. Approval reflects [redacted] taxes of  [redacted] however per the title search in the file the taxes are  [redacted]. Note: Approval in file reflects a DTI of  [redacted] which exceeds tolerance. Please provide updated approval to verify final terms of the loan such as the loan amount and the DTI.


Seller Comment (2024-07-05): P&I doe [redacted] mortgage used to qualify is [redacted]. [redacted] using a higher figure. DTI is [redacted] on file.
 07/18/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1951 31040436     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on [redacted], prior to [redacted] business days from transaction date of [redacted].         Reviewer Comment (2024-07-09): Disbursement date updated. Exception is clear.


Seller Comment (2024-07-05): INVALID-The transaction date is [redacted] and disbursement is [redacted]. Enough time had passed for disbursement.
 07/09/2024     1 C A C A C A C A C A   NJ Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C A A A C A A A     Yes
[Redacted] [Redacted] [Redacted] 1953 31038538     Credit Asset Asset Calculation / Analysis Asset Available for Closing is insufficient to cover Cash From Borrower.             07/08/2024     1 C A C A C A C A C A   AL Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1958 31042197     Credit Income / Employment Income Documentation Income / Employment Income documentation requirements not met.   Income documentation requirements not met due to the missing award letter to verify the social security income.       Reviewer Comment (2024-07-09): [redacted] sufficiently verified. Exception is clear.


Seller Comment (2024-07-05): INVALID - Please see [redacted] Social Security [redacted]- SR pg [redacted], LOX [redacted] &  Death Certificate [redacted].
 07/09/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1959 31040386     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: -         Reviewer Comment (2024-07-09): Income sufficiently verified. Exception is clear.


Seller Comment (2024-07-08): Per our guidelines [redacted] s with schedule [redacted] and [redacted]  transcripts are required and has been uploaded for review on pg. [redacted]
 07/09/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1961 31040538     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - [redacted]or income worksheet, P&L Statement are missing in file       Reviewer Comment (2024-07-09): Income sufficiently verified. Exception is clear.


Seller Comment (2024-07-08): Qualified [redacted]month average due to declining trend, recent [redacted] tax transcripts [redacted] Proof. and [redacted] year transcript is Enough since business started over [redacted] years. Income Worksheet Attached
 07/09/2024     1 C A C A C A C A C A   NJ Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1979 31099552     Compliance Compliance Federal Compliance TILA Right of Rescission Not Provided - Purchase HELOC Truth in Lending Act:  Notice of Right to Cancel was not provided at account opening on a HELOC Residential Mortgage Transaction (entire line drawn at account opening for purchase of a dwelling).  HELOC Plan is subject to rescission until a Notice of Right to Cancel is provided and the rescission period expires.                 2 B B B B B B B B B B   CA Primary Purchase LOE, reopen rescission (new NORTC and new 3-day rescission period) and proof of receipt B B A A B B A A     Yes
[Redacted] [Redacted] [Redacted] 1988 31104536     Credit Income / Employment Income Documentation Income / Employment Income documentation requirements not met.   Missing [redacted]W[redacted]. Document provided in the file is blank.       Reviewer Comment (2024-07-16): W2 provided. Exception is clear.


Seller Comment (2024-07-16): [redacted] W2 uploaded
 07/16/2024     1 C A C A C A C A C A   MD Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 1994 31080296     Compliance Compliance Federal Compliance Missing Disclosure Notice of Special Flood Hazard Disclosure Not Provided Timely FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. Creditor did not provide a Notice of Special Flood Hazard Disclosure within [redacted] business days of application date.               2 B B B B B B B B B B   FL Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 1994 31086745     Credit Hazard Insurance Insufficient Coverage Hazard Insurance The Hazard Insurance Policy Effective Date is after closing.   Note date is [redacted], policy effective date is [redacted].       Reviewer Comment (2024-07-16): Policy provided. Exception is clear.


Seller Comment (2024-07-16): HOI [redacted] uploaded
 07/16/2024     1 C A C A C A C A C A   FL Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 1996 31112388     Compliance Compliance Federal Compliance TILA TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.         Reviewer Comment (2024-07-23): Brochure provided. Exception is clear.


Seller Comment (2024-07-22): heloc brochure uploaded
 07/23/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A A A C A A A     No
[Redacted] [Redacted] [Redacted] 2006 31107738     Credit Income / Employment Income Documentation Income / Employment Income documentation requirements not met.   Per Guidelines, state or corporate issued pensions income must have proof of continuance for [redacted] years which was not provided in the file.       Reviewer Comment (2024-07-18): Received Continuance Letter from [redacted] , hence cleared the exception.


Seller Comment (2024-07-17): [redacted] is a known lifetime retirement


Reviewer Comment (2024-07-16): Please provide guidelines where [redacted] is specifically listed as not required.


Seller Comment (2024-07-15): INVALID-[redacted] is listed as a pension that does not need continuance verified as per guidelines.
 07/18/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 2011 31111802     Credit Loan Package Documentation Closing / Title Loan Package Documentation Title search shows negative impact on title.   Judgment found on title       Reviewer Comment (2024-07-24): Updated report provided. Exception is clear.


Seller Comment (2024-07-24): Please see updated property report
 07/24/2024     1 C A C A C A C A C A   FL Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 2011 31111875     Compliance Compliance Federal Compliance TILA HELOC Fees Used For Testing Truth in Lending Act (HELOC): Fees disclosed on Line of Credit Closing Statement exceed those disclosed in HELOC Agreement. Fees from the Line of Credit Closing Statement are used in any federal, state, and local high cost testing.                 2 B B B B B B B B B B   FL Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 2013 31111059     Compliance Compliance Federal Compliance TILA HELOC Fees Used For Testing Truth in Lending Act (HELOC): Fees disclosed on Line of Credit Closing Statement exceed those disclosed in HELOC Agreement. Fees from the Line of Credit Closing Statement are used in any federal, state, and local high cost testing.                 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 2015 31109586     Compliance Compliance Federal Compliance TILA HELOC Fees Used For Testing Truth in Lending Act (HELOC): Fees disclosed on Line of Credit Closing Statement exceed those disclosed in HELOC Agreement. Fees from the Line of Credit Closing Statement are used in any federal, state, and local high cost testing.                 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 2015 31109602     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. Disaster Name: ___
Disaster Declaration Date: ___
Disaster End Date:  ___		         Reviewer Comment (2024-07-16): Valuation provided is acceptable.


Seller Comment (2024-07-16): A PCI was completed with the AVM after the disaster date. Please re-review.
 07/16/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 2030 31105243     Compliance Loan Package Documentation Application / Processing Missing, Incorrect, or Incomplete Final or Initial 1003 Missing Document: Missing Lender's Initial 1003                   2 B B B B B B B B B B   MI Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 2031 31106521     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. Disaster Name: ___
Disaster Declaration Date: ___
Disaster End Date:  ___		 The property is located in a FEMA disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after[redacted] declared end       Reviewer Comment (2024-07-18): Valuation provided is acceptable. Exception is clear.


Seller Comment (2024-07-18): AVM and PCI were completed after disaster end date. Please re-review.
 07/18/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 2035 31113205     Compliance Compliance State Compliance Misc. State Level Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided Timely) [redacted] [redacted]: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower within [redacted] business days of  receipt of the loan application.                 2 B B B B B B B B B B   WA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 2038 31111255     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.   Calculated investor qualifying total debt ratio of  [redacted]% exceeds Guideline total debt ratio of  [redacted]%. Variance due to calculated grossed up income of $ [redacted] is less than amount used of $ [redacted].       Reviewer Comment (2024-08-12): DTI has been updated. Exception is clear.


Seller Comment (2024-08-09): Additional LOE


Seller Comment (2024-08-09): Reached out to employer for additional explanation. The base salary is paid out bi-weekly with a  [redacted] payment at the end of each [redacted] . This payment was only coded as "bonus" mistakenly last year. I


Reviewer Comment (2024-08-06): Additional explanation required for the discrepancy in salary. WVOE and paystubs reflect a bi-weekly salary of  [redacted] which does not align with the stated W2 income of  [redacted]. DTI to be updated once explanation received.


Seller Comment (2024-08-05): Base monthly income is $ [redacted] and can be fully grossed up to [redacted] per month. The WVOE from employer states  [redacted] annual base.


Reviewer Comment (2024-08-05): Provided paystub and WVOE does not support this base income , please provided income proof supporting  [redacted]  base pay. Exception Remains.


Seller Comment (2024-08-02): Confirmed with employer, annual base salary is  [redacted]. This is non-taxable as per [redacted] . Once grossed monthly base is  [redacted]. Combined with [redacted]  housing DTI is [redacted].


Reviewer Comment (2024-07-23): Our calculation is Housing income  [redacted] +  [redacted] gross up=  [redacted], as per approval Housing income is  [redacted]. Advise how was this income derived. Exception Remains.


Seller Comment (2024-07-22): Housing income for missionary is fully non-taxable.


Seller Comment (2024-07-22): BAH - Military housing allowance is never taxable income and always grossed up [redacted]
 08/12/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 2042 31100570     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   FL Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 2050 31113263     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   FL Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 2052 31113761     Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.           Reviewer Comment (2024-04-24): Received copy of the title policy with sufficient coverage.
 04/24/2024     1 A A A A A A A A A A   FL Primary Refinance - Cash-out - Other   C A C A A A         No
[Redacted] [Redacted] [Redacted] 2052 31113764     Credit Title General Title Final Title Policy Coverage is less than Original Loan Amount. The Final Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. The Final Title Policy Amount of $[redacted] is less than the full HELOC amount of $[redacted] based on the Commitment in file.       Reviewer Comment (2024-04-24): Received copy of the title policy with sufficient coverage.
 04/24/2024     1 C A C A C A C A C A   FL Primary Refinance - Cash-out - Other   C A C A A A         No
[Redacted] [Redacted] [Redacted] 2053 31113768     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.   DTI of [redacted]% exceeds guideline max of [redacted]%.  The discrepancy is with the investment property located at [redacted][redacted].  The lender used a positive rental income of $[redacted]/month, review came up with a loss of $[redacted]/month.  Rental income was calculated from the Schedule E.       Reviewer Comment (2024-04-30): Received repair receipts for the REO; DTI recalculated to [redacted]%.
 04/30/2024     1 C A C A C A C A C A   NJ Primary Refinance - Cash-out - Other   C A C A A A         No
[Redacted] [Redacted] [Redacted] 2055 31113789     Credit Income Income Error Income Documentation indicates that borrower is on temporary leave of absence.  File is missing the date in which borrower began leave. - Provide verification of the day the leave started.       Reviewer Comment (2024-04-19): Received verification of the leave start date.
 04/19/2024     1 C A C A C A C A C A   OH Primary Refinance - Cash-out - Other   C A C A A A         No
[Redacted] [Redacted] [Redacted] 2056 31113792     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.   Total verified income of $[redacted], qualifying PITIA $[redacted]and debts of $[redacted] after payoffs.       Reviewer Comment (2024-03-26): DTI within tolerance limit due to borrower student loan from [redacted] having less than [redacted] months on an installment debt excluded in DTI. Exception Cleared


Buyer Comment (2024-03-25): Comment from [redacted]: [redacted]: Please note that the total debts after payoffs is only $[redacted]instead of $[redacted]. The borrower's student loan from [redacted] with the $[redacted]monthly payment can be excluded for having less than [redacted] months remaining on an installment debt, since the balance is only $[redacted]. The student loan will be paid off within [redacted] payments. Without the $[redacted] monthly payment, the DTI remains below [redacted]%.
 03/26/2024     1 C A C A C A C A C A   FL Primary Refinance - Cash-out - Other   C A C A A A         No
[Redacted] [Redacted] [Redacted] 2057 31113796     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.                 2 B B B B B B B B B B   MD Primary Refinance - Cash-out - Other   B B B B A A         No
[Redacted] [Redacted] [Redacted] 2058 31113805     Compliance Compliance State Compliance Misc. State Level Colorado Consumer Credit Code (Borrower Written Reason for Loan, Modification, or Refinance Not Provided) [redacted] Consumer Credit Code: Borrower did not provided a written description of reasons for seeking loan, modification, or refinance.                 2 B B B B B B B B B B   CO Primary Refinance - Cash-out - Other   C B A A C B         No
[Redacted] [Redacted] [Redacted] 2058 31113806     Compliance Compliance State Compliance State Defect Colorado Consumer Credit Code (Choice of Insurance and Cost of Insurance Disclosure Not Provided) [redacted] Consumer Credit Code:  Borrower not provided a written statement setting forth the cost of homeowners insurance if obtained from lender and that borrower may choose insurance provider.         Reviewer Comment (2024-04-19): Received anti-coercion disclosure.
 04/19/2024     1 C A C A C A C A C A   CO Primary Refinance - Cash-out - Other   C B A A C B         No
[Redacted] [Redacted] [Redacted] 2059 31113810     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form RTC Executed TILA - Right To Cancel: Loan file contains evidence consumer rescinded loan. Both borrowers signed the "I wish to cancel" line of the RTC       Reviewer Comment (2024-05-01): Lender cured on [redacted] by reopening rescission. Received copy of the LOE, corrected ROR, and proof of delivery.
 05/01/2024     1 C A C A C A C A C A   NJ Primary Refinance - Cash-out - Other   C B C A C B         No
[Redacted] [Redacted] [Redacted] 2059 31113814     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.   Borrower qualified with the first lien P&I. No documentation provided showing a different individual makes the payment       Reviewer Comment (2024-04-18): Received verification the borrower is not obligated to the first lien on the subject; DTI recalculated to [redacted]%.
 04/18/2024     1 C A C A C A C A C A   NJ Primary Refinance - Cash-out - Other   C B C A C B         No
[Redacted] [Redacted] [Redacted] 2059 31113815     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on [redacted], prior to three ([redacted]) business days from transaction date of [redacted] AM.         Reviewer Comment (2024-05-01): Lender cured on [redacted] by reopening rescission. Received copy of the LOE, corrected ROR, and proof of delivery.
   05/01/2024   2   B   B   B   B   B   NJ Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B C A C B         Yes
[Redacted] [Redacted] [Redacted] 2059 31113816     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act:  Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).         Reviewer Comment (2024-05-01): Lender cured on [redacted] by reopening rescission. Received copy of the LOE, corrected ROR, and proof of delivery.
   05/01/2024   2   B   B   B   B   B   NJ Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B C A C B         Yes
[Redacted] [Redacted] [Redacted] 2060 31113819     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act:  Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s) Due to Notary date of [redacted]       Reviewer Comment (2024-04-28): Lender cured on [redacted] by reopening rescission. Received copy of the LOE, corrected ROR, and proof of delivery.
   04/28/2024   2 C B C B C B C B C B   CA Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B A A C B         Yes
[Redacted] [Redacted] [Redacted] 2061 31113833     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on[redacted], prior to three ([redacted]) business days from transaction date of [redacted]AM. Eligible disbursement date of [redacted].       Reviewer Comment (2024-04-25): Received a copy of the settlement statement documenting the loan disbursed [redacted].
 04/25/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C A C A C A         Yes
[Redacted] [Redacted] [Redacted] 2061 31113837     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Approval not provided   Approval is missing.       Reviewer Comment (2024-04-15): Provided approval


Seller Comment (2024-04-15): Comment from [redacted] [redacted]: [redacted] : Please see attached approval letter
 04/15/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A C A         No
[Redacted] [Redacted] [Redacted] 2062 31113840     Credit Missing Document General Missing Document Missing Document: AVM not provided   AVM in file dated [redacted] and closing date [redacted].       Reviewer Comment (2024-04-15): Received copy of the pre-close AVM
 04/15/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A         No
[Redacted] [Redacted] [Redacted] 2063 31113846     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.   Disaster Name: [redacted]
Disaster Declaration Date: [redacted]
Disaster End Date:  [redacted]		       Reviewer Comment (2024-04-22): Received copy of the post disaster inspection showing no damage.
 04/22/2024     1 C A C A C A C A C A   MI Primary Refinance - Cash-out - Other   C A C A A A         No
[Redacted] [Redacted] [Redacted] 2064 31113850     Compliance Legal / Regulatory / Compliance Anti-Predatory Violation Federal Defect (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) Truth in Lending Act (HOEPA):  HOEPA disclosure was not provided to the Borrower Total fees financed by lender exceed permitted threshold.  HOEPA Disclosure is not located in file.       Reviewer Comment (2024-04-19): Received documentation of the un-discounted rate; discount points can be excluded as bona fide.
 04/19/2024     1 C A C A C A C A C A   WA Primary Refinance - Cash-out - Other   C A C A C A         No
[Redacted] [Redacted] [Redacted] 2064 31113851     Compliance Legal / Regulatory / Compliance Anti-Predatory Violation Federal Defect (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. Points and Fees on subject loan of [redacted] is in excess of the allowable maximum of [redacted] of the Federal Total Loan Amount. Points and Fees of [redacted] on a Federal Total Loan Amount of [redacted] vs. an allowable total of [redacted]       Reviewer Comment (2024-04-19): Received documentation of the un-discounted rate; discount points can be excluded as bona fide.
 04/19/2024     1 C A C A C A C A C A   WA Primary Refinance - Cash-out - Other   C A C A C A         No
[Redacted] [Redacted] [Redacted] 2064 31113852     Compliance Legal / Regulatory / Compliance Anti-Predatory Violation Federal Defect (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of [redacted]% of the amount past due or grace period of less than [redacted] days. Total fees financed by lender exceed permitted threshold.  Late charge exceeds max of [redacted]% of amount past due and/or grace period of [redacted]days.       Reviewer Comment (2024-04-19): Received documentation of the un-discounted rate; discount points can be excluded as bona fide.
 04/19/2024     1 C A C A C A C A C A   WA Primary Refinance - Cash-out - Other   C A C A C A         No
[Redacted] [Redacted] [Redacted] 2064 31113853     Compliance Compliance Federal Compliance Federal Defect (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of [redacted]% is in excess of the allowable maximum of  [redacted]% of the Federal Total Loan Amount. Points and Fees of $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an allowable total of $[redacted] (an overage of $[redacted] or [redacted]%).  Non-Compliant High Cost Loan. Points and Fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]% of the Federal Total Loan Amount. Points and Fees of $[redacted] on a Federal Total Loan Amount of $[redacted]vs. an allowable total of $[redacted]       Reviewer Comment (2024-04-19): Received documentation of the un-discounted rate; discount points can be excluded as bona fide.
 04/19/2024     1 C A C A C A C A C A   WA Primary Refinance - Cash-out - Other (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C A C A C A         Yes
[Redacted] [Redacted] [Redacted] 2064 31113854     Compliance Legal / Regulatory / Compliance Anti-Predatory Violation Federal Defect (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. Total fees financed by lender exceed permitted threshold.  Pre-Loan Counseling status is not located in file.       Reviewer Comment (2024-04-19): Received documentation of the un-discounted rate; discount points can be excluded as bona fide.
 04/19/2024     1 C A C A C A C A C A   WA Primary Refinance - Cash-out - Other   C A C A C A         No
[Redacted] [Redacted] [Redacted] 2064 31113856     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.   The difference is the $[redacted]student loan. Only one month bank statement from [redacted]was provided to exclude the debt       Reviewer Comment (2024-04-17): Received evidence of [redacted] months payments made by another party.
 04/17/2024     1 C A C A C A C A C A   WA Primary Refinance - Cash-out - Other   C A C A C A         No
[Redacted] [Redacted] [Redacted] 2065 31113859     Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   Current policy is short $[redacted] based on the RCE provided       Reviewer Comment (2024-04-22): Received evidence of additional coverage.
 04/22/2024     1 C A C A C A C A C A   NY Primary Refinance - Cash-out - Other   C A C A A A         No
[Redacted] [Redacted] [Redacted] 2066 31113861     Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.           Reviewer Comment (2024-04-26): Received copy of the title policy with sufficient coverage.
 04/26/2024     1 A A A A A A A A A A   OR Primary Refinance - Cash-out - Other   C A C A A A         No
[Redacted] [Redacted] [Redacted] 2066 31113862     Credit Title Document Error Title The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.           Reviewer Comment (2024-04-26): Received copy of the title policy with sufficient coverage.
 04/26/2024     1 C A C A C A C A C A   OR Primary Refinance - Cash-out - Other   C A C A A A         No
[Redacted] [Redacted] [Redacted] 2067 31113867     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.   Disaster Name: [redacted]
Disaster Declaration Date: [redacted]
Disaster End Date:  [redacted]		       Reviewer Comment (2024-04-23): Received Disaster inspection dated [redacted] reflecting no damage.
 04/23/2024     1 C A C A C A C A C A   MI Primary Refinance - Cash-out - Other   C A C A A A         No
[Redacted] [Redacted] [Redacted] 2069 31113883     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.                 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   C B B B C B         No
[Redacted] [Redacted] [Redacted] 2069 31113886     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on [redacted], prior to [redacted] business days from transaction date of  [redacted] AM. Transaction date [redacted] based on the Mortgage Notary Date       Reviewer Comment (2024-04-22): Lender cured on [redacted] by reopening rescission. Received copy of the LOE, corrected ROR, and proof of delivery.
   04/22/2024   2 C B C B C B C B C B   CA Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B B B C B         Yes
[Redacted] [Redacted] [Redacted] 2070 31113889     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.   Disaster Name: [redacted]
Disaster Declaration Date: [redacted]
Disaster End Date:  [redacted]		       Reviewer Comment (2024-04-23): Received Disaster inspection dated [redacted] reflecting no damage.
 04/23/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A         No
[Redacted] [Redacted] [Redacted] 2073 31113913     Credit Title Document Error Title The Preliminary title policy is within [redacted] or [redacted]and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.                   2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A         No
[Redacted] [Redacted] [Redacted] 2074 31113922     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing. - Provide mortgage statement from [redacted] acct#[redacted] to verify PITIA payment, if tax and insurance are not escrowed in mortgage statement then we need separate Tax certificate and hazard insurance.       Reviewer Comment (2024-04-22): Provided Executed CD verifying PITI for REO property


Seller Comment (2024-04-22): Comment from [redacted]: [redacted]: CD is attached.
 04/22/2024     1 C A C A C A C A C A   CO Investment Refinance - Cash-out - Other   C A C A A A         No
[Redacted] [Redacted] [Redacted] 2078 31113939     Credit Title Document Error Title The Preliminary title policy is within [redacted] or [redacted]and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.                   2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A         No
[Redacted] [Redacted] [Redacted] 2079 31113945     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. Proposed insured amount is less than Note loan amount. Please provide final policy with coverage equal to the Note loan amount.               2 B B B B B B B B B B   NV Primary Refinance - Cash-out - Other   B B B B A A         No
[Redacted] [Redacted] [Redacted] 2080 31113954     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.   Per FNMA: For loans in forbearance, the lender may calculate

a payment equal to [redacted]% of the outstanding student loan balance (even if this amount is lower than the actual fully amortizing payment), or

a fully amortizing payment using the documented loan repayment terms. The forbearance documentation provided does not provide a payment so [redacted]% is used to qualify		       Reviewer Comment (2024-05-23): Received documentation the student loans have been forgiven; DTI recalculated to [redacted]%.
 05/23/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A         No
[Redacted] [Redacted] [Redacted] 2082 31113963     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing. - Missing evidence of the HOA dues for [redacted].       Reviewer Comment (2024-04-22): Provided HOA verification


Seller Comment (2024-04-22): Comment from [redacted] [redacted]: [redacted] providing document confirming the HOA that this property is in, as well as confirmation of the HOA dues amount from the HOA as well
 04/22/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A         No
[Redacted] [Redacted] [Redacted] 2083 31113966     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.                 2 B B B B B B B B B B   NC Primary Refinance - Cash-out - Other   B B B B A A         No
[Redacted] [Redacted] [Redacted] 2086 31113982     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.                 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A         No
[Redacted] [Redacted] [Redacted] 2088 31113998     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.                 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A         No
[Redacted] [Redacted] [Redacted] 2092 31114018     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Approval not provided   Approval not provided       Reviewer Comment (2024-04-23): Received copy of the approval.
 04/23/2024     1 C A C A C A C A C A   AL Primary Refinance - Cash-out - Other   C A C A A A         No
[Redacted] [Redacted] [Redacted] 2096 31114038     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. Final title policy will reflect final Line amount.               2 B B B B B B B B B B   GA Primary Refinance - Cash-out - Other   B B B B A A         No
[Redacted] [Redacted] [Redacted] 2100 31114058     Credit Title Document Error Title The Preliminary title policy is within [redacted] or [redacted]and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.                   2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   C B C B A A         No
[Redacted] [Redacted] [Redacted] 2100 31114061     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - Missing [redacted]for co-borrower.  Guidelines require [redacted] year income verification.       Reviewer Comment (2024-05-02): Provided [redacted] W2


Seller Comment (2024-05-02): Comment from [redacted][redacted]: Providing copy of missing W2
 05/02/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C B C B A A         No
[Redacted] [Redacted] [Redacted] 2103 31114072     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. Proposed insured amount is less than final loan amount. Please provide final policy with coverage equal to the loan amount.               2 B B B B B B B B B B   FL Primary Refinance - Cash-out - Other   B B B B A A         No
[Redacted] [Redacted] [Redacted] 2107 31114089     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.                 2 B B B B B B B B B B   FL Primary Refinance - Cash-out - Other   B B B B A A         No
[Redacted] [Redacted] [Redacted] 2109 31114097     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.   Missing PDI. Disaster End Date is [redacted].       Reviewer Comment (2024-05-01): Received Disaster inspection dated [redacted] reflecting no damage.
 05/01/2024     1 C A C A C A C A C A   NC Primary Refinance - Cash-out - Other   C A C A A A         No
[Redacted] [Redacted] [Redacted] 2110 31114102     Credit Legal / Regulatory / Compliance Title / Lien Defect Legal / Regulatory / Compliance Final Title Policy is missing. No evidence of title in file.           Reviewer Comment (2024-04-24): Received copy of the short form policy with sufficient coverage.
 04/24/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A         No
[Redacted] [Redacted] [Redacted] 2113 31114119     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing. - Missing verification of the new [redacted] mortgage       Reviewer Comment (2024-04-25): Provided Final CD for REO verifying PITI used to qualify


Seller Comment (2024-04-24): Comment from [redacted][redacted]): Providing final CD for this property
 04/25/2024     1 C A C A C A C A C A   FL Primary Refinance - Cash-out - Other   C A C A A A         No
[Redacted] [Redacted] [Redacted] 2114 31114122     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Approval not provided           Reviewer Comment (2024-04-24): Provided Lenders approval


Seller Comment (2024-04-24): Comment from [redacted]: [redacted]: Providing copy of approval
 04/24/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C B C B A A         No
[Redacted] [Redacted] [Redacted] 2114 31114124     Credit Guideline Guideline Issue Guideline Ineligible property type.   The guest house is [redacted] while the main house is only [redacted]. Fannie Mae requires the main house to be bigger than the ADU The representative FICO score exceeds the guideline minimum by at least [redacted] points.

Borrower has been employed in the same industry for more than [redacted] years.

Borrower has owned the subject property for at least [redacted] years.

Borrower has verified disposable income of at least [redacted].

Borrower has worked in the same position for more than [redacted] years.

The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%.		 [redacted] FICO SitusAMC,Aggregator

SitusAMC

SitusAMC

SitusAMC

SitusAMC

SitusAMC		 Reviewer Comment (2024-05-07): Client acknowledged the property condition based on the HLTV.
     05/07/2024 2 C B C B C B C B C B   CA Primary Refinance - Cash-out - Other   C B C B A A         No
[Redacted] [Redacted] [Redacted] 2117 31114143     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.   Disaster Name: [redacted]
Disaster Declaration Date: [redacted]
Disaster End Date:  [redacted]		       Reviewer Comment (2024-05-01): Received Disaster inspection dated [redacted]reflecting no damage.
 05/01/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A         No
[Redacted] [Redacted] [Redacted] 2117 31114145     Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   Insufficient hazard insurance coverage. Dwelling does not cover combined loan amount.  As per Hazard insurance dwelling coverage amount is $[redacted]. Policy reflects extended replacement cost, however no amount or percentage was listed. A replacement cost estimator was provided.       Reviewer Comment (2024-05-09): Received evidence the policy carries [redacted]% additional loan coverage; coverage is sufficient.
 05/09/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A         No
[Redacted] [Redacted] [Redacted] 2120 31114158     Credit Title Document Error Title The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.                   2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A         No
[Redacted] [Redacted] [Redacted] 2121 31114166     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. Shortage of title policy amount               2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A         No
[Redacted] [Redacted] [Redacted] 2123 31114178     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. Proposed insured amount is less than Note loan amount. Please provide final policy with coverage equal to the Note loan amount.               2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A         No
[Redacted] [Redacted] [Redacted] 2126 31114211     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. Coverage is less than the original loan amount.               2 B B B B B B B B B B   FL Primary Refinance - Cash-out - Other   B B B B A A         No
[Redacted] [Redacted] [Redacted] 2129 31114232     Credit Title Document Error Title The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.   Title is a Preliminary and not a Final title policy.               2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A         No
[Redacted] [Redacted] [Redacted] 2130 31114237     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - Borrower is less than [redacted]months with current employer as a salaried employee. Borrower previously worked for the same employer as a [redacted]contract employee. The borrower appears to be related to this family-owned business. Employer to provide an explanation for the recent change in position and pay, and if the borrower has any ownership in the business.       Reviewer Comment (2024-04-26): Provided evidence that borrower no related to [redacted] per Secretary of State


Seller Comment (2024-04-26): Comment from [redacted] [redacted]): [redacted]: Please confirm evidence of the borrower being employed by family. Borrower went from a [redacted] earner to a W-2 employee and did not receive too large of an increase in income.
 04/26/2024     1 C A C A C A C A C A   KY Primary Refinance - Cash-out - Other   C A C A A A         No
[Redacted] [Redacted] [Redacted] 2133 31114248     Credit Title Document Error Title The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.   Title in [redacted]or [redacted]with no specific loan policy amount.       Reviewer Comment (2024-05-06): Not required
 05/06/2024     1 B A B A B A B A B A   CA Primary Refinance - Cash-out - Other   C A C A A A         No
[Redacted] [Redacted] [Redacted] 2133 31114250     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - ___ Missing third party verification of primary self-employment       Reviewer Comment (2024-04-30): Received CPA letter stating the company is active and [redacted]tax returns were prepared.
 04/30/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A         No
[Redacted] [Redacted] [Redacted] 2136 31114263     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - Missing verification of Borrower VA Compensation.       Reviewer Comment (2024-04-25): Received verification of VA income.
 04/25/2024     1 C A C A C A C A C A   GA Primary Refinance - Cash-out - Other   C A C A A A         No
[Redacted] [Redacted] [Redacted] 2136 31114264     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.   Total verified income of $[redacted], qualifying PITIA $[redacted]and Credit debt $[redacted]. Borrower qualified with income of $[redacted]which included VA Compensation of $[redacted]. There is no Award or Benefit letter to verify receipt of VA compensation.       Reviewer Comment (2024-05-01): VA income provided


Seller Comment (2024-05-01): Comment from [redacted] [redacted]:[redacted] kg: VA benefits were uploaded to the  prior exception that was cleared. VA benefits are non taxable and can be fully grossed up [redacted]% monthly benefit $[redacted] *[redacted]% =[redacted]+[redacted]=$[redacted]in monthly VA benefits can be used to qualify the borrower  .


Reviewer Comment (2024-04-29): No new documentation provided. Missing verification of the monthly VA Compensation for the borrower


Buyer Comment (2024-04-29): Comment from [redacted] [redacted]: [redacted] kg: VA benefits are non taxable and can be fully grossed up [redacted]%.
 05/01/2024     1 C A C A C A C A C A   GA Primary Refinance - Cash-out - Other   C A C A A A         No
[Redacted] [Redacted] [Redacted] 2138 31114273     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.                 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A         No
[Redacted] [Redacted] [Redacted] 2141 31114286     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Unable to test RTC expiration date due to missing information. Unable to test RTC due to missing expiration date       Reviewer Comment (2024-04-25): Lender cured on [redacted] by reopening rescission. Received copy of the LOE, corrected ROR, and proof of delivery.
   04/25/2024   2 C B C B C B C B C B   CA Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B A A C B         Yes
[Redacted] [Redacted] [Redacted] 2141 31114287     Compliance Missing Document General Missing Document Incomplete Document: Right to Cancel (RTC) is incomplete   Missing Right To Cancel Expiration Date.       Reviewer Comment (2024-04-25): Lender cured on [redacted] by reopening rescission. Received copy of the LOE, corrected ROR, and proof of delivery.
 04/25/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C B A A C B         No
[Redacted] [Redacted] [Redacted] 2146 31114321     Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Note - Senior Lien not provided   Missing the first mortgage statement to verify the P&I payment.       Reviewer Comment (2024-04-25): Received the verification of mortgage on the first.
 04/25/2024     1 D A D A D A D A D A   IL Primary Refinance - Cash-out - Other   D A D A A A         No
[Redacted] [Redacted] [Redacted] 2149 31114330     Credit Title Document Error Title The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.                   2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A         No
[Redacted] [Redacted] [Redacted] 2150 31114341     Credit Hazard Insurance Insufficient Coverage Hazard Insurance The Hazard Insurance Policy Effective Date is after closing.   Hazard Insurance effective date [redacted] per Policy which is after disbursement of[redacted]. No prior policy in file.       Reviewer Comment (2024-04-26): Provided evidence that effective date is [redacted] through [redacted]


Seller Comment (2024-04-26): Comment from [redacted][redacted]: [redacted]: coverage period is [redacted] - [redacted]. Please see the attached to confirm.
 04/26/2024     1 C A C A C A C A C A   OH Primary Refinance - Cash-out - Other   C A C A A A         No
[Redacted] [Redacted] [Redacted] 2151 31114345     Credit Title Document Error Title The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.                   2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A         No
[Redacted] [Redacted] [Redacted] 2156 31114373     Credit Title Document Error Title The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.                   2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A         No
[Redacted] [Redacted] [Redacted] 2157 31114376     Compliance Loan Package Documentation Application / Processing Missing, Incorrect, or Incomplete Final or Initial 1003 Missing Document: Missing Lender's Initial 1003   Lender's initial 1003               2 B B B B B B B B B B   LA Primary Refinance - Cash-out - Other   B B A A B B         No
[Redacted] [Redacted] [Redacted] 2157 31114377     Compliance Compliance Federal Compliance Missing Disclosure Notice of Special Flood Hazard Disclosure Not Provided Timely FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing               2 B B B B B B B B B B   LA Primary Refinance - Cash-out - Other   B B A A B B         No
[Redacted] [Redacted] [Redacted] 2160 31114389     Credit Title Document Error Title The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.                   2 B B B B B B B B B B   CA Investment Refinance - Cash-out - Other   B B B B A A         No
[Redacted] [Redacted] [Redacted] 2164 31114431     Credit Title Document Error Title The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.                   2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A         No
[Redacted] [Redacted] [Redacted] 2166 31114438     Credit Title Document Error Title The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.                   2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A         No
[Redacted] [Redacted] [Redacted] 2167 31114443     Compliance Compliance Federal Compliance TILA Right of Rescission Not Provided - Purchase HELOC Truth in Lending Act:  Notice of Right to Cancel was not provided at account opening on a HELOC Residential Mortgage Transaction (entire line drawn at account opening for purchase of a dwelling).  HELOC Plan is subject to rescission until a Notice of Right to Cancel is provided and the rescission period expires.                 2 B B B B B B B B B B   CA Primary Purchase LOE, reopen rescission (new NORTC and new 3-day rescission period) and proof of receipt B B A A B B         Yes
[Redacted] [Redacted] [Redacted] 2169 31114454     Credit Title Document Error Title The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.           Reviewer Comment (2024-05-06): Not required
 05/06/2024     1 B A B A B A B A B A   CA Primary Refinance - Cash-out - Other   C A C A A A         No
[Redacted] [Redacted] [Redacted] 2169 31114456     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.   IRA distributions income of $[redacted] is less than income used to qualify of $[redacted]       Reviewer Comment (2024-05-03): Received evidence of [redacted] months distribution of [redacted].
 05/03/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A         No
[Redacted] [Redacted] [Redacted] 2170 31114462     Credit Legal / Regulatory / Compliance Title / Lien Defect Legal / Regulatory / Compliance Final Title Policy is missing. No evidence of title in file.   The file is missing a title search or commitment.       Reviewer Comment (2024-04-25): Provided Title commitment with appropriate coverage


Seller Comment (2024-04-25): Comment from [redacted][redacted]: [redacted] RF please see attached title policy reflecting loan amount of $[redacted], please clear thank you
 04/25/2024     1 C A C A C A C A C A   WA Primary Refinance - Cash-out - Other   C A C A A A         No
[Redacted] [Redacted] [Redacted] 2173 31114502     Credit Title Document Error Title The Preliminary title policy is within [redacted] or [redacted]and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.                   2 B B B B B B B B B B   CA Investment Refinance - Cash-out - Other   B B B B A A         No
[Redacted] [Redacted] [Redacted] 2174 31114506     Credit Title Document Error Title The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.                   2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A         No
[Redacted] [Redacted] [Redacted] 2176 31114513     Credit Title Document Error Title The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.   Proposed insured amount was not provided in the preliminary title policy. Final title should reflect at least Note amount.               2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A         No
[Redacted] [Redacted] [Redacted] 2179 31114525     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.                 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A         No
[Redacted] [Redacted] [Redacted] 2183 31114535     Credit Title Document Error Title The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.   Proposed insured amount was not provided in the preliminary title policy. Final title should reflect at least Note amount.       Reviewer Comment (2024-05-06): Not required
 05/06/2024     1 B A B A B A B A B A   CA Primary Refinance - Cash-out - Other   C A C A A A         No
[Redacted] [Redacted] [Redacted] 2183 31114538     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.   DTI of [redacted]% exceeds guideline max of [redacted]%.  Lender grossed up SSI income without evidence of the non taxable portion.  Tax returns/transcripts were not provided.       Reviewer Comment (2024-04-29): Received signed tax returns reflecting the non taxable portion of the SSI income.  DTI is within guidelines.
 04/29/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A         No
[Redacted] [Redacted] [Redacted] 2188 31114552     Credit Title Document Error Title The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.   Proposed insured amount not provided.               2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A         No
[Redacted] [Redacted] [Redacted] 2191 31114566     Credit Title Document Error Title The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.                   2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A         No
[Redacted] [Redacted] [Redacted] 2192 31114568     Credit Title Document Error Title The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.                   2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A         No
[Redacted] [Redacted] [Redacted] 2194 31114574     Credit Title Document Error Title The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.                   2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A         No
[Redacted] [Redacted] [Redacted] 2199 31114617     Compliance Compliance State Compliance Misc. State Level Colorado Consumer Credit Code (Borrower Written Reason for Loan, Modification, or Refinance Not Provided) [redacted] Consumer Credit Code: Borrower did not provided a written description of reasons for seeking loan, modification, or refinance.                 2 B B B B B B B B B B   CO Primary Refinance - Cash-out - Other   C B A A C B         No
[Redacted] [Redacted] [Redacted] 2199 31114618     Compliance Compliance State Compliance State Defect Colorado Consumer Credit Code (Choice of Insurance and Cost of Insurance Disclosure Not Provided) [redacted] Consumer Credit Code:  Borrower not provided a written statement setting forth the cost of homeowners insurance if obtained from lender and that borrower may choose insurance provider.         Reviewer Comment (2024-05-07): Received copy of the state disclosure.
 05/07/2024     1 C A C A C A C A C A   CO Primary Refinance - Cash-out - Other   C B A A C B         No
[Redacted] [Redacted] [Redacted] 2203 31114637     Credit Title Document Error Title The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.                   2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A         No
[Redacted] [Redacted] [Redacted] 2206 31114653     Credit Title Document Error Title The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.   Title in [redacted] or [redacted] with no specific loan policy amount.               2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A         No
[Redacted] [Redacted] [Redacted] 2208 31114666     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.                 2 B B B B B B B B B B   MN Primary Refinance - Cash-out - Other   B B B B A A         No
[Redacted] [Redacted] [Redacted] 2208 31114668     Credit Credit Credit Eligibility Credit Guideline Issue: Bankruptcy timeline outside of credit guidelines   Chapter 7 Bankruptcy discharged only [redacted] and does not meet the [redacted]yrs minimum requirement Borrower has worked in the same position for more than [redacted] years.

Borrower has owned the subject property for at least [redacted] years.

Borrower has verified disposable income of at least [redacted].

The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted] %.

The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted] %.		 Borrower has been with current employer for [Redacted] years. SitusAMC,Aggregator

SitusAMC

SitusAMC

SitusAMC

SitusAMC		 Reviewer Comment (2024-04-25): Client acknowledged exception to their purchase criteria based on borrower employment history and seasoning meeting the seller guidelines.
     04/25/2024 2 B B B B B B B B B B   MN Primary Refinance - Cash-out - Other   B B B B A A         No
[Redacted] [Redacted] [Redacted] 2209 31114671     Credit Title Document Error Title The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.                   2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A         No
[Redacted] [Redacted] [Redacted] 2209 31114673     Credit Title Document Error Title The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.                   2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A         No
[Redacted] [Redacted] [Redacted] 2210 31114676     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. Coverage amount is less than needed.               2 B B B B B B B B B B   GA Primary Refinance - Cash-out - Other   B B B B A A         No
[Redacted] [Redacted] [Redacted] 2211 31114686     Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Note - Senior Lien not provided   The first payment letter for the new [redacted] loan was provided to confirm the P&I but we're missing documentation showing what the current mortgage is and the outstanding balance.       Reviewer Comment (2024-04-29): CD provided showing the terms of the 1st mortgage


Seller Comment (2024-04-29): Comment from [redacted]: [redacted]: Please see the attached showing these liens paid off and the CD showing the loan amount of $[redacted]
 04/29/2024     1 D A D A D A D A D A   FL Primary Refinance - Cash-out - Other   D A D A A A         No
[Redacted] [Redacted] [Redacted] 2214 31114696     Credit Title Document Error Title The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.                   2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A         No
[Redacted] [Redacted] [Redacted] 2215 31114709     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Approval not provided   Approval is missing       Reviewer Comment (2024-04-29): Provided Lenders Approval


Seller Comment (2024-04-29): Comment from[redacted][redacted]: [redacted] TT: Providing Approval Letter
 04/29/2024     1 C A C A C A C A C A   GA Primary Refinance - Cash-out - Other   C A C A A A         No
[Redacted] [Redacted] [Redacted] 2219 31114725     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on [redacted], prior to three ([redacted] ) business days from transaction date of  [redacted] AM. Disbursement date [redacted] taken from disbursement schedule. No evidence of later disbursement date       Reviewer Comment (2024-05-21): Received the final settlement statement documenting the loan disbursed [redacted].
 05/21/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C A A A C A         Yes
[Redacted] [Redacted] [Redacted] 2224 31114752     Credit Title Document Error Title The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.   Title in [redacted]or [redacted]with n specific loan policy amount.               2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A         No
[Redacted] [Redacted] [Redacted] 2229 31114771     Credit Hazard Insurance Insufficient Coverage Hazard Insurance The Hazard Insurance Policy Effective Date is after closing.   HOI Effective Date [redacted], Disbursement Date: [redacted]       Reviewer Comment (2024-04-29): Received verification the policy was in force on [redacted].
 04/29/2024     1 C A C A C A C A C A   NC Primary Refinance - Cash-out - Other   C A C A A A         No
[Redacted] [Redacted] [Redacted] 2230 31114776     Credit Title Document Error Title The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.                   2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A         No
[Redacted] [Redacted] [Redacted] 2231 31114780     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.   The P&I on the 1st lien mortgage for the subject property was excluded. Review is including the P&I of $[redacted]. This is the borrower's primary residence, and the file documentation does not support excluding the P&I on the 1st lien. Total qualifying expenses $[redacted]       Reviewer Comment (2024-04-29): Per update from [redacted], they're willing to accept that sufficient documentation was provided to exclude the first mortgage P&I


Seller Comment (2024-04-29): Comment from [redacted][redacted]: [redacted] KT Hi team please see attached - the borrower is not on the note or mortgage statement on the primary lien - only the NBI on the file is obligated on the primary lien. This should not be included in the DTI.
 04/29/2024     1 C A C A C A C A C A   NY Primary Refinance - Cash-out - Other   C A C A A A         No
[Redacted] [Redacted] [Redacted] 2232 31114781     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.   Disaster Name: [redacted]
Disaster Declaration Date: [redacted]
Disaster End Date:  [redacted]		       Reviewer Comment (2024-05-02): Provided PDI dated [redacted] reflecting no damage to subject


Seller Comment (2024-05-02): Comment from [redacted] ([redacted]): PDI
 05/02/2024     1 C A C A C A C A C A   MI Primary Refinance - Cash-out - Other   C A C A A A         No
[Redacted] [Redacted] [Redacted] 2238 31114821     Credit Title Document Error Title The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.                   2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A         No
[Redacted] [Redacted] [Redacted] 2239 31114826     Credit Title Document Error Title The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.           Reviewer Comment (2024-05-02): Received title commitment reflecting sufficient coverage.
 05/02/2024     1 C A C A C A C A C A   FL Primary Refinance - Cash-out - Other   C A C A A A         No
[Redacted] [Redacted] [Redacted] 2244 31114852     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.   Disaster Name: [redacted]
Disaster Declaration Date: [redacted]
Disaster End Date:  [redacted]		       Reviewer Comment (2024-05-06): Received copy of the post disaster inspection showing no damage.
 05/06/2024     1 C A C A C A C A C A   IL Primary Refinance - Cash-out - Other   C A C A A A         No
[Redacted] [Redacted] [Redacted] 2246 31114863     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.                 2 B B B B B B B B B B   AZ Primary Refinance - Cash-out - Other   B B B B A A         No
[Redacted] [Redacted] [Redacted] 2249 31114879     Credit Title Document Error Title The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.           Reviewer Comment (2024-05-06): Meets requirements.
 05/06/2024     1 B A B A B A B A B A   CA Primary Refinance - Cash-out - Other   B A B A A A         No
[Redacted] [Redacted] [Redacted] 2251 31114915     Credit Title Document Error Title The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.   Proposed insured amount was not provided in the preliminary title policy. Final title should reflect at least Note amount.       Reviewer Comment (2024-05-06): Not required.
 05/06/2024     1 B A B A B A B A B A   CA Primary Refinance - Cash-out - Other   B A B A A A         No
[Redacted] [Redacted] [Redacted] 2252 31114921     Credit Title Document Error Title The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.   The Preliminary title policy is within [redacted] does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.       Reviewer Comment (2024-05-06): Not required.
 05/06/2024     1 B A B A B A B A B A   CA Primary Refinance - Cash-out - Other   B A B A A A         No
[Redacted] [Redacted] [Redacted] 2255 31114945     Credit Title Document Error Title The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.   Title in [redacted] or [redacted] with no specific loan policy amount.       Reviewer Comment (2024-05-06): Meets requirements.
 05/06/2024     1 B A B A B A B A B A   CA Primary Refinance - Cash-out - Other   B A B A A A         No
[Redacted] [Redacted] [Redacted] 2257 31114953     Credit Title Document Error Title The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.           Reviewer Comment (2024-05-06): Meets title requirements.
 05/06/2024     1 B A B A B A B A B A   CA Primary Refinance - Cash-out - Other   B A B A A A         No
[Redacted] [Redacted] [Redacted] 2261 31114975     Credit Title Document Error Title The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.           Reviewer Comment (2024-05-06): Meets title requirements.
 05/06/2024     1 B A B A B A B A B A   CA Primary Refinance - Cash-out - Other   B A B A A A         No
[Redacted] [Redacted] [Redacted] 2272 31115037     Credit Title Document Error Title The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.                   2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   C B B B C B         No
[Redacted] [Redacted] [Redacted] 2272 31115040     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on [redacted], prior to [redacted] business days from transaction date of [redacted]. Transaction date of [redacted]per Mortgage Notary Date       Reviewer Comment (2024-05-02): Received final settlement statement showing the loan disbursed [redacted].
 05/02/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B B B C B         Yes
[Redacted] [Redacted] [Redacted] 2272 31115041     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act:  Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). Eligible disbursement date [redacted] based on Notary date [redacted]       Reviewer Comment (2024-05-17): Lender cured on [redacted] by reopening rescission. Received copy of the LOE, corrected ROR, and proof of delivery.
   05/17/2024   2 C B C B C B C B C B   CA Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B B B C B         Yes
[Redacted] [Redacted] [Redacted] 2274 31115060     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.                 2 B B B B B B B B B B   MA Primary Refinance - Cash-out - Other   B B B B A A         No
[Redacted] [Redacted] [Redacted] 2275 31115066     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.                 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A         No
[Redacted] [Redacted] [Redacted] 2279 31115083     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.                 2 B B B B B B B B B B   IN Primary Refinance - Cash-out - Other   B B B B A A         No
[Redacted] [Redacted] [Redacted] 2283 31115105     Compliance Compliance State Compliance State Defect [redacted] SB  [redacted] [redacted] Predatory Lending Database Program (SB [redacted] ) - Certificate of Compliance or Exemption not attached to mortgage for recording. Certificate of Compliance or Exemption not attached to mortgage for recording.       Reviewer Comment (2024-05-01): Received Certificate of Compliance.
 05/01/2024     1 C A C A C A C A C A   IL Primary Refinance - Cash-out - Other   C A A A C A         No
[Redacted] [Redacted] [Redacted] 2289 31115127     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing. - Verification of the new [redacted] mortgage #[redacted]is missing       Reviewer Comment (2024-05-02): Provided Final CD for REO property verifying PITI payment used to qualify


Seller Comment (2024-05-02): Comment from [redacted] [redacted]: [redacted]TT: Providing copy of final CD for this property
 05/02/2024     1 C A C A C A C A C A   WA Primary Refinance - Cash-out - Other   C A C A A A         No
[Redacted] [Redacted] [Redacted] 2292 31115144     Credit Credit Credit Eligibility Credit Guideline Issue: Bankruptcy timeline outside of credit guidelines   Chapter 7 Bankruptcy discharged only [redacted] years prior to close  vs [redacted] years minimum requirement per loan purchase criteria The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted] %.

Borrower has been employed in the same industry for more than [redacted] years.

Borrower has owned the subject property for at least [redacted] years.

Borrower has verified disposable income of at least [redacted].

Borrower has worked in the same position for more than [redacted] years.		 Low CLTV SitusAMC,Aggregator

SitusAMC

SitusAMC

SitusAMC

SitusAMC		 Reviewer Comment (2024-04-30): Client acknowledged exception to their purchase criteria based the [redacted]being over [redacted] years and meeting the seller guidelines
     04/30/2024 2 B B B B B B B B B B   NY Primary Refinance - Cash-out - Other   B B B B A A         No
[Redacted] [Redacted] [Redacted] 2297 31115169     Credit Title Document Error Title The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.                   2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   C B C B A A         No
[Redacted] [Redacted] [Redacted] 2297 31115170     Credit Hazard Insurance Insufficient Coverage Hazard Insurance The Hazard Insurance Policy effective date is after the funds disbursed. Hazard Insurance Policy Effective Date ___; Disbursement Date: ___; Note Date: ___; Transaction Date: ___ Hazard Insurance Policy Effective Date [redacted]  and Disbursement Date: [redacted]. Provide Previous Policy with an earlier date.       Reviewer Comment (2024-05-02): Provided evidence that Policy was changed to effective date of [redacted]matching Note date


Seller Comment (2024-05-02): Comment from [redacted][redacted]): [redacted] KM: The attached was used to confirm the effective date of the policy was changed to [redacted].
 05/02/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C B C B A A         No
[Redacted] [Redacted] [Redacted] 2298 31115175     Credit Title Document Error Title The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.           Reviewer Comment (2024-05-06): Not applicable
 05/06/2024     1 B A B A B A B A B A   CA Primary Refinance - Cash-out - Other   B A B A A A         No
[Redacted] [Redacted] [Redacted] 2303 31115197     Credit Title Document Error Title The Preliminary title policy is within [redacted]or [redacted]and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.           Reviewer Comment (2024-05-06): Not applicable
 05/06/2024     1 B A B A B A B A B A   CA Primary Refinance - Cash-out - Other   B A B A A A         No
[Redacted] [Redacted] [Redacted] 2305 31115205     Credit Title Document Error Title The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.           Reviewer Comment (2024-05-03): Not required
 05/03/2024     1 B A B A B A B A B A   CA Primary Refinance - Cash-out - Other   B A B A A A         No
[Redacted] [Redacted] [Redacted] 2306 31115213     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.   The $[redacted]per month Solar Lease payment was not included in the ratios       Reviewer Comment (2024-05-28): Client acknowledged the exclusion of the solar lease payments resulting in a DTI of [redacted]%.
 05/28/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A         No
[Redacted] [Redacted] [Redacted] 2308 31115221     Credit Title Document Error Title The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.                   2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A         No
[Redacted] [Redacted] [Redacted] 2309 31115225     Credit Title Document Error Title The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.           Reviewer Comment (2024-05-06): Not applicable
 05/06/2024     1 B A B A B A B A B A   CA Primary Refinance - Cash-out - Other   B A B A A A         No
[Redacted] [Redacted] [Redacted] 2312 31115238     Credit Title Document Error Title The Preliminary title policy is within [redacted] or [redacted]and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.           Reviewer Comment (2024-05-06): Not applicable
 05/06/2024     1 B A B A B A B A B A   CA Investment Refinance - Cash-out - Other   B A B A A A         No
[Redacted] [Redacted] [Redacted] 2313 31115243     Credit Title Document Error Title The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.           Reviewer Comment (2024-05-06): Not applicable
 05/06/2024     1 B A B A B A B A B A   CA Primary Refinance - Cash-out - Other   B A B A A A         No
[Redacted] [Redacted] [Redacted] 2317 31115267     Credit Title Document Error Title The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.   The Preliminary title policy is within [redacted] or [redacted]and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.       Reviewer Comment (2024-05-06): Not applicable
 05/06/2024     1 B A B A B A B A B A   CA Primary Refinance - Cash-out - Other   B A B A A A         No
[Redacted] [Redacted] [Redacted] 2319 31115278     Credit Title Document Error Title The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.   Proposed insured amount was not provided in the preliminary title policy. Final title should reflect at least Note amount.       Reviewer Comment (2024-05-06): Not applicable
 05/06/2024     1 B A B A B A B A B A   CA Primary Refinance - Cash-out - Other   B A B A A A         No
[Redacted] [Redacted] [Redacted] 2324 31115309     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - Award letter missing       Reviewer Comment (2024-05-02): Provided verification of VA benefits verifying amount used to qualify


Seller Comment (2024-05-02): Comment from [redacted]: [redacted] TT: Providing VA Certificate of Eligibility, which shows under "Conditions" that the borrower earns Net $[redacted] monthly from the VA and grossed up would allow the borrower to qualify with $[redacted] per month
 05/02/2024     1 C A C A C A C A C A   WA Primary Refinance - Cash-out - Other   C A C A A A         No
[Redacted] [Redacted] [Redacted] 2326 31115322     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: -         Reviewer Comment (2024-05-03): Provided Cert of eligibility verifying income used to qualify


Seller Comment (2024-05-03): Comment from [redacted]: [redacted] TT: Providing VA Certificate of Eligibility which shows the net monthly income for the borrower from the VA of $[redacted], which grosses up to $[redacted] per month
 05/03/2024     1 C A C A C A C A C A   CO Primary Refinance - Cash-out - Other   C A C A A A         No
[Redacted] [Redacted] [Redacted] 2328 31115335     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.                 2 B B B B B B B B B B   MD Primary Refinance - Cash-out - Other   C B B B C B         No
[Redacted] [Redacted] [Redacted] 2328 31115337     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act:  Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). Notary date reflects [redacted]and ROR was not corrected from Note date of [redacted]and acknowledged by borrower(s)       Reviewer Comment (2024-05-17): Lender cured on [redacted] by reopening rescission. Received copy of the LOE, corrected ROR, and proof of delivery.
   05/17/2024   2 C B C B C B C B C B   MD Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B B B C B         Yes
[Redacted] [Redacted] [Redacted] 2330 31115347     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.   Disaster: [redacted]
Disaster Declaration Date:[redacted]
Disaster End Date: [redacted]		       Reviewer Comment (2024-05-08): Received copy of the post disaster inspection showing no damage.
 05/08/2024     1 C A C A C A C A C A   WA Primary Refinance - Cash-out - Other   C A C A A A         No
[Redacted] [Redacted] [Redacted] 2332 31115354     Credit Title Document Error Title The Preliminary title policy is within [redacted] or [redacted]and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.           Reviewer Comment (2024-05-06): Not applicable
 05/06/2024     1 B A B A B A B A B A   CA Primary Refinance - Cash-out - Other   B A B A A A         No
[Redacted] [Redacted] [Redacted] 2333 31115363     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.                 2 B B B B B B B B B B   FL Primary Refinance - Cash-out - Other   C B C B A A         No
[Redacted] [Redacted] [Redacted] 2333 31115365     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing. - ___ Missing verification of the new [redacted] Mortgage #[redacted]       Reviewer Comment (2024-05-03): Received Final CD from purchase.
 05/03/2024     1 C A C A C A C A C A   FL Primary Refinance - Cash-out - Other   C B C B A A         No
[Redacted] [Redacted] [Redacted] 2333 31115366     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.   Total Income used to qualify $[redacted]. Total Expenses $[redacted]. Income, REO losses and debts match final application. No ATR worksheet or[redacted] provided to determine how the lender calculated ratios       Reviewer Comment (2024-05-09): Final CD from [redacted] provided to confirm PITIA. This updated the ratios


Seller Comment (2024-05-09): Comment from [redacted] : [redacted] KM: attached is the final signed copy of the CD for REO [redacted] with a monthly payment of $[redacted] including escrows. This should decrease DTI to below [redacted]%.


Reviewer Comment (2024-05-03): Received [redacted]months evidence that another party makes the payments on the [redacted].  Received CD from purchase of [redacted] which reflects a slightly higher payment than previously report.  Recalculated DTI is [redacted]%.


Seller Comment (2024-05-03): Comment from [redacted][redacted]KM: The attached confirms the [redacted] can be excluded from the ratios as paid by others.
 05/09/2024     1 C A C A C A C A C A   FL Primary Refinance - Cash-out - Other   C B C B A A         No
[Redacted] [Redacted] [Redacted] 2335 31115379     Credit Title Document Error Title The Preliminary title policy is within [redacted] or [redacted]and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.           Reviewer Comment (2024-05-06): Not applicable
 05/06/2024     1 B A B A B A B A B A   CA Primary Refinance - Cash-out - Other   B A B A A A         No
[Redacted] [Redacted] [Redacted] 2336 31115385     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.                 2 B B B B B B B B B B   AZ Primary Refinance - Cash-out - Other   B B B B A A         No
[Redacted] [Redacted] [Redacted] 2337 31115389     Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.           Reviewer Comment (2024-05-08): Received copy of the title policy with sufficient coverage.
 05/08/2024     1 A A A A A A A A A A   IL Primary Refinance - Cash-out - Other   C A C A A A         No
[Redacted] [Redacted] [Redacted] 2337 31115390     Credit Title Document Error Title The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.           Reviewer Comment (2024-05-08): Received copy of the title policy with sufficient coverage.
 05/08/2024     1 C A C A C A C A C A   IL Primary Refinance - Cash-out - Other   C A C A A A         No
[Redacted] [Redacted] [Redacted] 2344 31115446     Credit Hazard Insurance Insufficient Coverage Hazard Insurance The Hazard Insurance Policy Effective Date is after closing.   HOI Effective[redacted]. Previous policy not provided       Reviewer Comment (2024-05-06): Received evidence of the prior years hazard insurance.
 05/06/2024     1 C A C A C A C A C A   FL Primary Refinance - Cash-out - Other   C A C A A A         No
[Redacted] [Redacted] [Redacted] 2349 31115464     Compliance Compliance Federal Compliance TILA HELOC Fees Used For Testing Truth in Lending Act (HELOC): Fees disclosed on Line of Credit Closing Statement exceed those disclosed in HELOC Agreement. Fees from the Line of Credit Closing Statement are used in any federal, state, and local high cost testing.                 2 B B B B B B B B B B   NY Primary Refinance - Cash-out - Other   B B A A B B         No
[Redacted] [Redacted] [Redacted] 2352 31115474     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - ___ Unable to verify Bonus income from income documentation provided.       Reviewer Comment (2024-05-06): Received the [redacted] and [redacted] year end paystubs.
 05/06/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A         No
[Redacted] [Redacted] [Redacted] 2355 31115499     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.                 2 B B B B B B B B B B   WI Investment Refinance - Cash-out - Other   B B B B A A         No
[Redacted] [Redacted] [Redacted] 2358 31115525     Credit Credit Credit Documentation Credit No evidence of fraud report in file - [redacted] ,No evidence of fraud report in file.       Reviewer Comment (2024-05-09): Provided fraud report for co-borrower. no red flags to address


Buyer Comment (2024-05-09): Comment from [redacted]: [redacted]: Borrower 2 is confirmed on the report. Only the main borrower has their name in the header. Borrower two is listed on the first page and as a participant in the watch list.


Reviewer Comment (2024-05-06): Missing fraud report for co-borrower.


Seller Comment (2024-05-06): Comment from [redacted]: [redacted]: Attached is the required fraud report.
 05/09/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A         No
[Redacted] [Redacted] [Redacted] 2361 31115548     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.   Disaster Name: [redacted]
Disaster Declaration Date: [redacted]
Disaster End Date:  [redacted]		       Reviewer Comment (2024-05-08): Received copy of the post disaster inspection showing no damage.
 05/08/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A         No
[Redacted] [Redacted] [Redacted] 2366 31115569     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Fraud Report not provided   Fraud report document is missing.       Reviewer Comment (2024-05-06): Received a copy of the fraud report showing no unaddressed issues.
 05/06/2024     1 C A C A C A C A C A   AZ Primary Refinance - Cash-out - Other   C A C A A A         No
[Redacted] [Redacted] [Redacted] 2369 31115584     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.                 2 B B B B B B B B B B   OR Primary Refinance - Cash-out - Other   B B B B A A         No
[Redacted] [Redacted] [Redacted] 2377 31115619     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.                 2 B B B B B B B B B B   FL Primary Refinance - Cash-out - Other   B B B B A A         No
[Redacted] [Redacted] [Redacted] 2379 31115626     Compliance Compliance Federal Compliance TILA TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening. Security Instrument is dated [redacted] but has a Notary date of [redacted]       Reviewer Comment (2024-05-22): Received the corrected notary acknowledgement.
 05/22/2024     1 C A C A C A C A C A   CT Primary Refinance - Cash-out - Other   C A A A C A         No
[Redacted] [Redacted] [Redacted] 2379 31115627     Compliance Compliance Federal Compliance TILA TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening. Security Instrument is dated [redacted] but has a Notary date of [redacted]       Reviewer Comment (2024-05-22): Received the corrected notary acknowledgement.
 05/22/2024     1 C A C A C A C A C A   CT Primary Refinance - Cash-out - Other   C A A A C A         No
[Redacted] [Redacted] [Redacted] 2388 31115671     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - VA Verification of Benefits is missing for both borrowers       Reviewer Comment (2024-05-07): Provided VA benefits verification for both borrowers.


Seller Comment (2024-05-07): Comment from[redacted]: [redacted] KT Please see attached Certificate of Eligibility confirming borrowers VA income
 05/07/2024     1 C A C A C A C A C A   CO Primary Refinance - Cash-out - Other   C B C A B B         No
[Redacted] [Redacted] [Redacted] 2388 31115673     Compliance Compliance State Compliance Misc. State Level Colorado Consumer Credit Code (Borrower Written Reason for Loan, Modification, or Refinance Not Provided) [redacted] Consumer Credit Code: Borrower did not provided a written description of reasons for seeking loan, modification, or refinance.                 2 B B B B B B B B B B   CO Primary Refinance - Cash-out - Other   C B C A B B         No
[Redacted] [Redacted] [Redacted] 2396 31115709     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.   Income used to qualify $[redacted]. Total expenses $[redacted]. Primary Housing Expense $[redacted] (P&I $[redacted], PMI $[redacted], HELOC $[redacted], Taxes $[redacted], Hazard $[redacted], HOA $[redacted]) and credit Debt $[redacted]. Per the final application, The PMI was not accounted for and the HOA was only $[redacted]       Reviewer Comment (2024-05-07): Post-Close WVOE provided to include additional income. Ratios are now under [redacted]%


Seller Comment (2024-05-07): Comment from [redacted]: [redacted] : The borrowers paystub provided at initial discloses additional income and shows commission. Please see attached VOI and updated income for the borrower that makes the file eligible and the DTI [redacted]% after including  $[redacted] a month in commission also HOA dues corrected to $[redacted]  see attached UW transmittal.
 05/07/2024     1 C A C A C A C A C A   CO Primary Refinance - Cash-out - Other   C B C B A A         No
[Redacted] [Redacted] [Redacted] 2396 31115711     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.                 2 B B B B B B B B B B   CO Primary Refinance - Cash-out - Other   C B C B A A         No
[Redacted] [Redacted] [Redacted] 2397 31115716     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.                 2 B B B B B B B B B B   CT Primary Refinance - Cash-out - Other   B B B B A A         No
[Redacted] [Redacted] [Redacted] 2402 31115740     Compliance Loan Package Documentation Application / Processing Missing, Incorrect, or Incomplete Final or Initial 1003 Missing Document: Missing Lender's Initial 1003                   2 B B B B B B B B B B   FL Primary Purchase   B B A A B B         No
[Redacted] [Redacted] [Redacted] 2406 31115757     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on [redacted], prior to three ([redacted]) business days from transaction date of [redacted] . Subject loan transaction disbursed on [redacted], ROR expiration date is [redacted].       Reviewer Comment (2024-05-10): Received the final settlement statement documenting the loan disbursed [redacted].
 05/10/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C A A A C A         Yes
[Redacted] [Redacted] [Redacted] 2416 31115805     Compliance Compliance Federal Compliance Missing Disclosure Notice of Special Flood Hazard Disclosure Not Provided Timely FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. Given to borrower on [redacted]  Borrower did not receive in a timely frame.               2 B B B B B B B B B B   FL Primary Refinance - Cash-out - Other   B B A A B B         No
[Redacted] [Redacted] [Redacted] 2418 31115811     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. The Title Policy Amount of $[redacted] is less than the note amount of $[redacted].               2 B B B B B B B B B B   AZ Primary Refinance - Cash-out - Other   B B B B A A         No
[Redacted] [Redacted] [Redacted] 2419 31115815     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. The Title Policy Amount of $[redacted] is less than the note amount of $[redacted] based on the Preliminary in file.               2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A         No
[Redacted] [Redacted] [Redacted] 2423 31115828     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. Income & Debts match. Loan was approved with a debt ratio over [redacted]%. TPR reports out [redacted] decimal places The representative FICO score exceeds the guideline minimum by at least [redacted] points.

Borrower has owned the subject property for at least [redacted] years.

Borrower has verified disposable income of at least [redacted].

Borrower has worked in the same position for more than [redacted] years.

The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%.		 [redacted]FICO SitusAMC,Aggregator

SitusAMC

SitusAMC

SitusAMC

SitusAMC		 Reviewer Comment (2024-05-13): Client acknowledged based on the HCLTV and borrower credit history.
     05/13/2024 2 C B C B C B C B C B   CA Primary Refinance - Cash-out - Other   C B C B A A         No
[Redacted] [Redacted] [Redacted] 2425 31115836     Credit Title Document Error Title The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.           Reviewer Comment (2024-05-08): Provided tittle with appropriate coverage at [redacted]


Seller Comment (2024-05-08): Comment from [redacted]: [redacted]- Please see attached. Coverage amount on pg. [redacted]. SW


Reviewer Comment (2024-05-07): Coverage amount was not provided.


Seller Comment (2024-05-07): Comment from [redacted]): [redacted]- Please see attached. SW
 05/08/2024     1 C A C A C A C A C A   NV Primary Refinance - Cash-out - Other   C A C A A A         No
[Redacted] [Redacted] [Redacted] 2427 31115844     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.                 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A         No
[Redacted] [Redacted] [Redacted] 2432 31115865     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on [redacted], prior to three ([redacted]) business days from transaction date of [redacted] [redacted] The notary date on the mortgage is [redacted], the [redacted] expiration date is [redacted].       Reviewer Comment (2024-05-19): Lender cured on [redacted] by reopening rescission. Received copy of the LOE, corrected ROR, and proof of delivery.
   05/19/2024   2 C B C B C B C B C B   AZ Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B B B C B         Yes
[Redacted] [Redacted] [Redacted] 2432 31115866     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act:  Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). The notary date on the mortgage is [redacted], the [redacted] expiration date is [redacted].       Reviewer Comment (2024-05-19): Lender cured on [redacted] by reopening rescission. Received copy of the LOE, corrected ROR, and proof of delivery.
   05/19/2024   2 C B C B C B C B C B   AZ Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B B B C B         Yes
[Redacted] [Redacted] [Redacted] 2432 31115868     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.                 2 B B B B B B B B B B   AZ Primary Refinance - Cash-out - Other   C B B B C B         No
[Redacted] [Redacted] [Redacted] 2440 31115901     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.                 2 B B B B B B B B B B   OR Primary Refinance - Cash-out - Other   B B B B A A         No
[Redacted] [Redacted] [Redacted] 2471 31116068     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. The Title Policy Amount of $[redacted] is less than the note amount of $[redacted] based on the Commitment in file.               2 B B B B B B B B B B   FL Primary Refinance - Cash-out - Other   C B B B C A         No
[Redacted] [Redacted] [Redacted] 2471 31116070     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form RTC Executed TILA - Right To Cancel: Loan file contains evidence consumer rescinded loan. TILA - Right To Cancel: Loan file contains evidence consumer rescinded loan.       Reviewer Comment (2024-05-29): Lender cured on [redacted] by reopening rescission. Received copy of the LOE, corrected ROR, and proof of delivery.
 05/29/2024     1 C A C A C A C A C A   FL Primary Refinance - Cash-out - Other   C B B B C A         No
[Redacted] [Redacted] [Redacted] 2483 31116116     Compliance Legal / Regulatory / Compliance Anti-Predatory Violation Federal Defect (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold)         Reviewer Comment (2024-05-09): Received documentation of the un-discounted rate; discount points can be excluded as bona fide.
 05/09/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A A A C A         No
[Redacted] [Redacted] [Redacted] 2483 31116117     Compliance Legal / Regulatory / Compliance Anti-Predatory Violation Federal Defect (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Amount Borrowed Inaccurate > $100) High-Cost Mortgage (Dodd-Frank 2014) Non-Compliant: HOEPA Disclosure reflects 'Amount Borrowed' outside of $[redacted] tolerance.         Reviewer Comment (2024-05-09): Received documentation of the un-discounted rate; discount points can be excluded as bona fide.
 05/09/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A A A C A         No
[Redacted] [Redacted] [Redacted] 2483 31116118     Compliance Legal / Regulatory / Compliance Anti-Predatory Violation Federal Defect (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees.         Reviewer Comment (2024-05-09): Received documentation of the un-discounted rate; discount points can be excluded as bona fide.
 05/09/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A A A C A         No
[Redacted] [Redacted] [Redacted] 2483 31116119     Compliance Legal / Regulatory / Compliance Anti-Predatory Violation Federal Defect (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of [redacted]% of the amount past due or grace period of less than [redacted] days.         Reviewer Comment (2024-05-09): Received documentation of the un-discounted rate; discount points can be excluded as bona fide.
 05/09/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A A A C A         No
[Redacted] [Redacted] [Redacted] 2483 31116120     Compliance Compliance Federal Compliance Federal Defect (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of [redacted]% is in excess of the allowable maximum of  [redacted]% of the Federal Total Loan Amount. Points and Fees of $[redacted] on a Federal Total Loan Amount of $[redacted]vs. an allowable total of $[redacted] (an overage of $[redacted] or [redacted]%).  Non-Compliant High Cost Loan.         Reviewer Comment (2024-05-09): Received documentation of the un-discounted rate; discount points can be excluded as bona fide.
 05/09/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C A A A C A         Yes
[Redacted] [Redacted] [Redacted] 2483 31116121     Compliance Legal / Regulatory / Compliance Anti-Predatory Violation Federal Defect (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling.         Reviewer Comment (2024-05-09): Received documentation of the un-discounted rate; discount points can be excluded as bona fide.
 05/09/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A A A C A         No
[Redacted] [Redacted] [Redacted] 2485 31116131     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on [redacted], prior to three ([redacted]) business days from transaction date of [redacted]. The notary date on the mortgage is [redacted], the earliest possible disbursement date is [redacted], disbursement date per funding breakdown is [redacted].       Reviewer Comment (2024-05-10): Received the final settlement statement documenting the loan disbursed [redacted].
 05/10/2024     1 C A C A C A C A C A   FL Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B A A C B         Yes
[Redacted] [Redacted] [Redacted] 2485 31116132     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act:  Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).         Reviewer Comment (2024-05-29): Lender cured on [redacted] by reopening rescission. Received copy of the LOE, corrected ROR, and proof of delivery.
   05/29/2024   2 C B C B C B C B C B   FL Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B A A C B         Yes
[Redacted] [Redacted] [Redacted] 2486 31116139     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. Proposed insured amount is less than final loan amount. Please provide final policy with coverage equal to the loan amount.               2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A         No
[Redacted] [Redacted] [Redacted] 2498 31116194     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. The Title Policy Amount of $[redacted] is less than the note amount of $[redacted] based on the Commitment in file.               2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A         No
[Redacted] [Redacted] [Redacted] 2502 31116235     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on [redacted], prior to [redacted] business days from transaction date of [redacted]. Loan disbursed on [redacted], prior to [redacted] business days from the RTC signature date of [redacted]       Reviewer Comment (2024-05-11): Received the final settlement statement documenting the loan disbursed [redacted].
 05/11/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C A A A C A         Yes
[Redacted] [Redacted] [Redacted] 2504 31116245     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.   Missing disaster inspection.       Reviewer Comment (2024-05-15): Received copy of the post disaster inspection showing no damage.
 05/15/2024     1 C A C A C A C A C A   MI Primary Refinance - Cash-out - Other   C A C A A A         No
[Redacted] [Redacted] [Redacted] 2505 31116247     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. Proposed insured amount is less than final loan amount. Please provide final policy with coverage equal to the loan amount.               2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A         No
[Redacted] [Redacted] [Redacted] 2506 31116251     Credit Loan Package Documentation Closing / Title Missing Document  Missing Document: Security Instrument - Subject Lien not provided           Reviewer Comment (2024-05-09): Received mortgage and PUD Rider.
 05/09/2024     1 D A D A D A D A D A   FL Primary Refinance - Cash-out - Other   D A D A A A         No
[Redacted] [Redacted] [Redacted] 2509 31116274     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. Proposed insured amount is less than final loan amount. Please provide final policy with coverage equal to the loan amount               2 B B B B B B B B B B   NC Primary Refinance - Cash-out - Other   B B B B A A         No
[Redacted] [Redacted] [Redacted] 2513 31116290     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.                 2 B B B B B B B B B B   WA Primary Refinance - Cash-out - Other   B B B B A A         No
[Redacted] [Redacted] [Redacted] 2521 31116341     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing. - Missing hazard insurance premium for [redacted].       Reviewer Comment (2024-05-29): Received attestation from the borrower property does not carry insurance.
 05/29/2024     1 C A C A C A C A C A   UT Second Home Refinance - Cash-out - Other   C A C A A A         No
[Redacted] [Redacted] [Redacted] 2524 31116350     Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.           Reviewer Comment (2024-05-14): Received copy of the title policy with sufficient coverage.
 05/14/2024     1 A A A A A A A A A A   HI Primary Refinance - Cash-out - Other   C A C A A A         No
[Redacted] [Redacted] [Redacted] 2524 31116352     Credit Title Document Error Title The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.           Reviewer Comment (2024-05-14): Received copy of the title policy with sufficient coverage.
 05/14/2024     1 C A C A C A C A C A   HI Primary Refinance - Cash-out - Other   C A C A A A         No
[Redacted] [Redacted] [Redacted] 2525 31116364     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.   Missing disaster inspection.       Reviewer Comment (2024-05-15): Received copy of the post disaster inspection showing no damage.
 05/15/2024     1 C A C A C A C A C A   MI Primary Refinance - Cash-out - Other   C A C A A A         No
[Redacted] [Redacted] [Redacted] 2527 31116370     Credit Loan Package Documentation Application / Processing Insurance Missing Document: Flood Certificate not provided   Flood Certificate is missing       Reviewer Comment (2024-05-13): Received copy of the flood certificate.
 05/13/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A B A         No
[Redacted] [Redacted] [Redacted] 2527 31116373     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Flood Hazard Zone Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. Flood Hazard Zone is missing       Reviewer Comment (2024-05-19): Disclosure provided
 05/19/2024     1 B A B A B A B A B A   CA Primary Refinance - Cash-out - Other   C A C A B A         No
[Redacted] [Redacted] [Redacted] 2529 31116387     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing. - ___ Missing mortgage statement to verify if taxes and insurance are escrowed for [redacted].       Reviewer Comment (2024-05-13): Received verification of the payments on the REO.
 05/13/2024     1 C A C A C A C A C A   GA Investment Refinance - Cash-out - Other   C A C A A A         No
[Redacted] [Redacted] [Redacted] 2541 31116434     Credit Missing Document General Missing Document Missing Document: Verification of Non-US Citizen Status not provided   Missing copy of front and back of the co-borrowers permanent resident card.       Reviewer Comment (2024-05-20): Received copy of the permanent resident card.
 05/20/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C B C B A A         No
[Redacted] [Redacted] [Redacted] 2541 31116436     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. The Title Policy Amount of $[redacted] s less than the note amount of $[redacted]  provide the supplemental document with proposed policy amount               2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   C B C B A A         No
[Redacted] [Redacted] [Redacted] 2541 31116437     Credit Loan Package Documentation Application / Processing Loan Package Documentation 1003 Error: Citizenship Source Documentation  was not provided - Missing copy of front and back of the co-borrowers permanent resident card.       Reviewer Comment (2024-05-13): Received copy of the permanent resident card.
 05/13/2024     1 B A B A B A B A B A   CA Primary Refinance - Cash-out - Other   C B C B A A         No
[Redacted] [Redacted] [Redacted] 2542 31116443     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing. - HOA document in file shows the property address of [redacted], Please Provide HOA doc with correct property address of [redacted].       Reviewer Comment (2024-05-14): Received verification of the HOA dues for the REO.
 05/14/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A         No
[Redacted] [Redacted] [Redacted] 2548 31116470     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing. - [redacted], [redacted], [redacted] mortgage statement is missing       Reviewer Comment (2024-05-16): Received the CD for the purchase of the REO.
 05/16/2024     1 C A C A C A C A C A   IL Primary Refinance - Cash-out - Other   C A C A C A         No
[Redacted] [Redacted] [Redacted] 2548 31116474     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act:  Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). Notice of Right to Cancel signed [redacted]       Reviewer Comment (2024-05-23): Received the ROR executed at closing.
 05/23/2024     1 C A C A C A C A C A   IL Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C A C A C A         Yes
[Redacted] [Redacted] [Redacted] 2554 31116503     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on [redacted], prior to three ([redacted]) business days from transaction date of [redacted] [redacted] AM. Disbursement [redacted] taken from Funding Wire Breakdown       Reviewer Comment (2024-05-14): Received copy of the final settlement statement documenting the loan disbursed [redacted].
 05/14/2024     1 C A C A C A C A C A   AZ Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C A A A C A         Yes
[Redacted] [Redacted] [Redacted] 2556 31116515     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.                 2 B B B B B B B B B B   NJ Primary Refinance - Cash-out - Other   B B B B A A         No
[Redacted] [Redacted] [Redacted] 2557 31116520     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.   Total income of $[redacted], Primary PITIA $[redacted], Subject qualifying PITIA $[redacted] and debt of $[redacted]. No indication how the lender came up with ratios of [redacted]%       Reviewer Comment (2024-05-13): Received verification the borrower is not obligated on the first lien; DTI recalculated to [redacted]%.
 05/13/2024     1 C A C A C A C A C A   TN Second Home Refinance - Cash-out - Other   C A C A A A         No
[Redacted] [Redacted] [Redacted] 2560 31116530     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.                 2 B B B B B B B B B B   WA Primary Refinance - Cash-out - Other   B B B B A A         No
[Redacted] [Redacted] [Redacted] 2566 31116554     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. The Title Policy Amount of $[redacted] is less than the note amount of $[redacted] based on the Commitment in file.               2 B B B B B B B B B B   NJ Primary Refinance - Cash-out - Other   B B B B A A         No
[Redacted] [Redacted] [Redacted] 2572 31116593     Credit Credit Credit Eligibility Credit Guideline Issue: Bankruptcy timeline outside of credit guidelines   Chapter [redacted] Bankruptcy discharged [redacted] does not meet loan purchase criteria or guidelines Borrower has owned the subject property for at least [redacted] years.

Borrower has been employed in the same industry for more than [redacted] years.

Borrower has verified disposable income of at least [redacted].

Borrower has worked in the same position for more than [redacted] years.		 Borrower has lived in subject for [redacted] years. SitusAMC,Aggregator

SitusAMC

SitusAMC

SitusAMC		 Reviewer Comment (2024-05-11): Client acknowledged exception to their purchase criteria based on borrower's time in residence.
     05/11/2024 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A         No
[Redacted] [Redacted] [Redacted] 2578 31116618     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.                 2 B B B B B B B B B B   MI Primary Refinance - Cash-out - Other   C B C B A A         No
[Redacted] [Redacted] [Redacted] 2578 31116619     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.   Disaster Name: [redacted]
Disaster Declaration Date: [redacted]
Disaster End Date:  [redacted]		       Reviewer Comment (2024-05-17): Received copy of the post disaster inspection showing no damage.
 05/17/2024     1 C A C A C A C A C A   MI Primary Refinance - Cash-out - Other   C B C B A A         No
[Redacted] [Redacted] [Redacted] 2579 31116623     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. Proposed insured amount is less than final loan amount. Please provide final policy with coverage equal to the loan amount               2 B B B B B B B B B B   FL Primary Refinance - Cash-out - Other   B B B B A A         No
[Redacted] [Redacted] [Redacted] 2594 31116682     Credit Title Document Error Title The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. Title Evidence: ___
State: ___		 not provided       Reviewer Comment (2024-05-21): Received copy of the short form policy with sufficient coverage.
 05/21/2024     1 C A C A C A C A C A   FL Primary Refinance - Cash-out - Other   C A C A A A         No
[Redacted] [Redacted] [Redacted] 2598 31116697     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.                 2 B B B B B B B B B B   AL Primary Refinance - Cash-out - Other   B B B B A A         No
[Redacted] [Redacted] [Redacted] 2600 31116703     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.                 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A         No
[Redacted] [Redacted] [Redacted] 2602 31116715     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. Proposed insured amount is less than Note loan amount. Please provide final policy with coverage equal to Note loan amount.               2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B A A         No
[Redacted] [Redacted] [Redacted] 2604 31116730     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. Shortage of title policy amount               2 B B B B B B B B B B   AZ Primary Refinance - Cash-out - Other   B B B B A A         No
[Redacted] [Redacted] [Redacted] 2610 31162015     Compliance Compliance Federal Compliance TILA HELOC Fees Used For Testing Truth in Lending Act (HELOC): Fees disclosed on Line of Credit Closing Statement exceed those disclosed in HELOC Agreement. Fees from the Line of Credit Closing Statement are used in any federal, state, and local high cost testing.                 2 B B B B B B B B B B   NV Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 2621 31171583     Compliance Compliance State Compliance Misc. State Level Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided Timely) [redacted] [redacted]: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower within [redacted] business days of  receipt of the loan application.                 2 B B B B B B B B B B   WA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 2622 31164811     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: -         Reviewer Comment (2024-07-19): Exception cleared.  [redacted]and [redacted] W2s have been provided.


Seller Comment (2024-07-19): W2s uploaded
 07/19/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 2622 31168068     Credit Income / Employment Income Documentation Income / Employment Income documentation requirements not met.   Missing [redacted] years W2s for B1 as well as paystubs and W2s for B2.       Reviewer Comment (2024-07-19): Exception cleared.  [redacted]and [redacted] W2s have been provided.


Seller Comment (2024-07-19): W2s uploaded
 07/19/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 2635 31169361     Property Appraisal Reconciliation Appraisal Documentation Appraisal Reconciliation Appraisal from prior transaction provided. No secondary valuation with effective date less than [redacted] months past note date provided. No CU or LCA provided. Sec ID: [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-07-23): Valuation provided is acceptable.


Seller Comment (2024-07-22): INVALID [redacted] pg. [redacted]provided and [redacted] completed[redacted]
 07/23/2024     1 D A A A N/A A   A D A   CA Primary Refinance - Cash-out - Other   D A A A A A D A     No
[Redacted] [Redacted] [Redacted] 2636 31178962     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.   [redacted]% includes a higher $ [redacted]  [redacted]r neg rent amount based on $ [redacted]PITI required next due amount per statement dated [redacted].  Lender's  [redacted] DTI includes a $ [redacted] neg rent amount based on a lower $ [redacted] PITI amount.       Reviewer Comment (2024-07-24): Bonus income has been updated. Exception is clear.


Seller Comment (2024-07-24): Uploaded an adjusted approval. SEQ acknowledges the uw used the wrong payment amount for the other REO. Proposing using a higher bonus figure that is supported by YTD to bring DTI in line.
 07/24/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 2637 31171590     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   MA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 2643 31171504     Compliance Compliance Federal Compliance TILA HELOC Fees Used For Testing Truth in Lending Act (HELOC): Fees disclosed on Line of Credit Closing Statement exceed those disclosed in HELOC Agreement. Fees from the Line of Credit Closing Statement are used in any federal, state, and local high cost testing.                 2 B B B B B B B B B B   AZ Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 2663 31168777     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.   Approval provided in file does not include the monthly solar panel payment of $ [redacted]. Additional of debt cause DTI to exceed [redacted]%. Borrower does not meet residual income requirements for  [redacted]% DTI.       Reviewer Comment (2024-07-22): Debts have been updated. Exception is clear.


Seller Comment (2024-07-19): INVALID-Solar [redacted] Fixture Filing on title [redacted] . Solar payments based on solar production. Solar payments based on solar production. Meaning they use electricity, and the power company gets what ever is left over. There is no payment for the solar panels they are paying with the additional energy sent back to the power company.
 07/22/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 2665 31171259     Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Missing Final [redacted]   [redacted] Final is missing.       Reviewer Comment (2024-07-23): Final 1003 provided exception cleared.


Seller Comment (2024-07-23): signed loan package uploaded
 07/23/2024     1 C A C A C A C A C A   FL Primary Refinance - Cash-out - Other   D B C A D B A A     No
[Redacted] [Redacted] [Redacted] 2665 31171261     Compliance Loan Package Documentation Closing / Title Missing, Incorrect, or Incomplete Note Missing Document: Note - Subject Lien not provided   Note - Subject Lien is missing.       Reviewer Comment (2024-07-23): Heloc agreement provided exception cleared.


Seller Comment (2024-07-23): signed loan package uploaded
 07/23/2024     1 D A D A D A D A D A   FL Primary Refinance - Cash-out - Other   D B C A D B A A     No
[Redacted] [Redacted] [Redacted] 2665 31171305     Compliance Compliance Federal Compliance TILA Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Agreement is missing.       Reviewer Comment (2024-07-23): Heloc agreement provided exception cleared.


Seller Comment (2024-07-23): signed loan package uploaded
 07/23/2024     1 C A C A C A C A C A   FL Primary Refinance - Cash-out - Other   D B C A D B A A     No
[Redacted] [Redacted] [Redacted] 2665 31171306     Compliance Compliance Federal Compliance Missing, Incorrect, or Incomplete Note TILA HELOC - Credit Agreement Missing Truth in Lending Act (HELOC): Credit Agreement not provided to borrower HELOC Agreement is missing.       Reviewer Comment (2024-07-24): Disclosure provided. Exception is clear.


Seller Comment (2024-07-23): signed loan package uploaded
 07/24/2024     1 D A D A D A D A D A   FL Primary Refinance - Cash-out - Other   D B C A D B A A     No
[Redacted] [Redacted] [Redacted] 2665 31171307     Compliance Compliance Federal Compliance TILA TILA HELOC - Billing Rights Disclosure Missing  Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower. Billing Right disclosure is missing.       Reviewer Comment (2024-07-24): Disclosure provided. Exception is clear.


Seller Comment (2024-07-23): signed loan package uploaded
 07/24/2024     1 C A C A C A C A C A   FL Primary Refinance - Cash-out - Other   D B C A D B A A     No
[Redacted] [Redacted] [Redacted] 2665 31171308     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. Initial rate lock document is missing.               2 B B B B B B B B B B   FL Primary Refinance - Cash-out - Other   D B C A D B A A     No
[Redacted] [Redacted] [Redacted] 2665 31171310     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. Right to Cancel is missing.       Reviewer Comment (2024-07-24): RTC provided and exception is clear. Note: additional exception fired for dates of the RTC provided.


Seller Comment (2024-07-23): signed loan package uploaded
 07/24/2024     1 C A C A C A C A C A   FL Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form D B C A D B A A     Yes
[Redacted] [Redacted] [Redacted] 2665 31188649     Compliance Compliance Federal Compliance TILA HELOC Fees Used For Testing Truth in Lending Act (HELOC): Fees disclosed on Line of Credit Closing Statement exceed those disclosed in HELOC Agreement. Fees from the Line of Credit Closing Statement are used in any federal, state, and local high cost testing. Title loan policy fee is not listed on heloc agreement due to which we are getting this exception.       Reviewer Comment (2024-07-23): Exception cleared.
 07/23/2024     1   A   A   A   A   A   FL Primary Refinance - Cash-out - Other   D B C A D B A A     No
[Redacted] [Redacted] [Redacted] 2665 31192763     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act:  Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). RTC reflects a signature date of [redacted] and expiration date of[redacted]. Eligible expiration date is[redacted].       Reviewer Comment (2024-08-12): Remediation documents have been provided. Exception is clear


Seller Comment (2024-08-12): RTC, proof of mailing, and letter uploaded


Reviewer Comment (2024-08-08): Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form is required to cure.


Seller Comment (2024-08-07): Will proof of re-opening rescission clear this condition?
   08/12/2024   2   B   B   B   B   B   FL Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form D B C A D B A A     Yes
[Redacted] [Redacted] [Redacted] 2667 31168405     Credit Income / Employment Income Documentation Income / Employment Income documentation requirements not met.   Award Letter for Pension income was not provided. Documentation not provided to verify monthly retirement income.       Reviewer Comment (2024-07-22): Exception Cleared, Pension Benefit Paystub is received.


Seller Comment (2024-07-19): Pension Award Letter uploaded
 07/22/2024     1 C A C A C A C A C A   NJ Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 2676 31172004     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on [redacted], prior to [redacted] business days from transaction date of [redacted].         Reviewer Comment (2024-07-23): Disbursement date has been updated. Exception is clear.


Seller Comment (2024-07-22): Loan disbursed on [redacted]. Please re-review.
 07/23/2024     1 C A C A C A C A C A   IN Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C A A A C A A A     Yes
[Redacted] [Redacted] [Redacted] 2680 31154900     Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Missing Final [redacted]   Final [redacted] provided in the file is not signed by the borrower.       Reviewer Comment (2024-07-22): [redacted] provided. Exception is clear.


Seller Comment (2024-07-22): Please see [redacted]


Reviewer Comment (2024-07-22): Exception remains, Final [redacted] is not signed by Borrower.


Seller Comment (2024-07-19): Final signed [redacted] uploaded
 07/22/2024     1 C A C A C A C A C A   NC Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 2681 31184326     Compliance Compliance State Compliance Misc. State Level Ohio Consumer Sales Practices Act (Right Not To Close Disclosure Not Provided) [redacted] Consumer Sales Practices Act: Borrower not provided Right Not To Close Disclosure.                 2 B B B B B B B B B B   OH Primary Refinance - Cash-out - Debt Consolidation   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 2682 31184448     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - Paystubs missing in loan file.       Reviewer Comment (2024-07-26): Paystub received for co-borrower. Details verified and income calculated. EXception cleared.


Seller Comment (2024-07-25): Paystubs uploaded
 07/26/2024     1 C A C A C A C A C A   ME Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 2691 31191727     Compliance Compliance Federal Compliance TILA HELOC Fees Used For Testing Truth in Lending Act (HELOC): Fees disclosed on Line of Credit Closing Statement exceed those disclosed in HELOC Agreement. Fees from the Line of Credit Closing Statement are used in any federal, state, and local high cost testing.                 2 B B B B B B B B B B   FL Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 2697 31187611     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   FL Second Home Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 2697 31187614     Compliance Compliance Federal Compliance Missing Disclosure Notice of Special Flood Hazard Disclosure Not Provided Timely FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing.                 2 B B B B B B B B B B   FL Second Home Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 2699 31188864     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Approval not provided   File is missing final loan approval with the correct loan amount and draw.       Reviewer Comment (2024-07-29): Approval received with [redacted] draw amount and  [redacted] credit limit, exception cleared.


Seller Comment (2024-07-26): UWWS uploaded
 07/29/2024     1 C A C A C A C A C A   NJ Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 2715 31188917     Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Missing Final 1003           Reviewer Comment (2024-07-24): Final [redacted] provided. Exception is clear.


Seller Comment (2024-07-24): Pages [redacted]  contain final [redacted]
 07/24/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 2740 31229940     Compliance Compliance State Compliance Misc. State Level Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided Timely) [redacted] [redacted]: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower within [redacted] business days of  receipt of the loan application.                 2 B B B B B B B B B B   WA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 2745 31212822     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing. - HOA Verification document is missing for subject property.       Reviewer Comment (2024-07-30): Received HOA Verification, hence cleared the exception.


Seller Comment (2024-07-29): HOI Dues pg [redacted] uploaded Also see [redacted] page [redacted]
 07/30/2024     1 C A C A C A C A C A   UT Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 2760 31219094     Compliance Compliance State Compliance Misc. State Level Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided Timely) [redacted] [redacted]: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower within [redacted] business days of  receipt of the loan application.                 2 B B B B B B B B B B   WA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 2774 31244859     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Approval not provided   Approval provided in file is for a different loan.       Reviewer Comment (2024-08-01): Approval document received and associated. Exception cleared


Seller Comment (2024-08-01): Approval uploaded
 08/01/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 2780 31234163     Compliance Compliance State Compliance Misc. State Level Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided Timely) [redacted] [redacted]: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower within [redacted] business days of  receipt of the loan application.                 2 B B B B B B B B B B   WA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 2786 31233824     Compliance Compliance State Compliance Misc. State Level Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) [redacted] Consumer Sales Practices Act:  Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit.                 2 B B B B B B B B B B   OH Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 2793 31245584     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Combined loan to value discrepancy.   Lender calculated appraised value is $ [redacted]; however, report confirms $ [redacted].       Reviewer Comment (2024-08-05): Exception Cleared, CLTV [redacted]  is within the guideline Max CLTV of [redacted]  with FICO Scores [redacted] , Explanation of CLTV is received.


Seller Comment (2024-08-02): Purchase price listed as  [redacted]. Appraised value of  [redacted] used to calculate HCLTV of [redacted] , which is an acceptable HCLTV on this file with a [redacted] FICO.


Seller Comment (2024-08-01): /Guideline to lower max cltv did not go into effect for loans with app date prior to [redacted] .
 08/05/2024     1 C A C A C A C A C A   NV Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 2795 31246593     Credit Loan Package Documentation Loan File Missing Document  Missing Document: Hazard Insurance Policy not provided           Reviewer Comment (2024-08-01): Hazard insurance received and updated . Exception cleared


Seller Comment (2024-08-01): HOI uploaded
 08/01/2024     1 C A C A C A C A C A   FL Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 2801 31231934     Compliance Compliance State Compliance Misc. State Level Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided Timely) [redacted] [redacted]: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower within [redacted] business days of  receipt of the loan application.                 2 B B B B B B B B B B   WA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 2804 31231655     Compliance Compliance Federal Compliance Missing Disclosure Notice of Special Flood Hazard Disclosure Not Provided Timely FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing.                 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 2814 31270975     Compliance Compliance State Compliance Misc. State Level Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided Timely) [redacted] [redacted]: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower within [redacted] business days of  receipt of the loan application.                 2 B B B B B B B B B B   WA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 2816 31268963     Compliance Compliance State Compliance Misc. State Level Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided Timely) [redacted] [redacted]: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower within [redacted] business days of  receipt of the loan application.                 2 B B B B B B B B B B   WA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 2818 31278961     Compliance Compliance Federal Compliance TILA HELOC Fees Used For Testing Truth in Lending Act (HELOC): Fees disclosed on Line of Credit Closing Statement exceed those disclosed in HELOC Agreement. Fees from the Line of Credit Closing Statement are used in any federal, state, and local high cost testing.                 2 B B B B B B B B B B   IL Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 2827 31315725     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Approval not provided   Approval provided does not include DTI.       Reviewer Comment (2024-08-12): Approval provided. Exception is clear.


Seller Comment (2024-08-09): UWWS uploaded
 08/12/2024     1 C A C A C A C A C A   MD Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 2828 31321269     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.   Calculated investor qualifying total debt ratio of [redacted]% exceeds Guideline total debt ratio of  [redacted]       Reviewer Comment (2024-08-09): Debts have been updated to omit authorized user accounts. Exception is clear.


Seller Comment (2024-08-09): INVALID- Approval and [redacted] match DTI [redacted] please re-review
 08/09/2024     1 C A C A C A C A C A   MI Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 2831 31269911     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.                 2 B B B B B B B B B B   FL Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 2833 31278844     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.     Borrower has verified disposable income of at least [redacted].

Borrower has been employed in the same industry for more than [redacted] years.		   SitusAMC

SitusAMC		         2 C B C B C B C B C B   CA Primary Refinance - Cash-out - Other   C B C B A A A A     No
[Redacted] [Redacted] [Redacted] 2852 31371510     Compliance Compliance State Compliance State Defect Maryland Ability to Repay Not Verified [redacted]:  File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate, if applicable. \               2 B B B B B B B B B B   MD Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 2857 31377395     Compliance Compliance Federal Compliance TILA Right of Rescission Not Provided - Purchase HELOC Truth in Lending Act:  Notice of Right to Cancel was not provided at account opening on a HELOC Residential Mortgage Transaction (entire line drawn at account opening for purchase of a dwelling).  HELOC Plan is subject to rescission until a Notice of Right to Cancel is provided and the rescission period expires.                 2 B B B B B B B B B B   FL Primary Purchase LOE, reopen rescission (new NORTC and new 3-day rescission period) and proof of receipt B B A A B B A A     Yes
[Redacted] [Redacted] [Redacted] 2861 31650482     Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Missing Final [redacted]           Reviewer Comment (2024-09-16): Final 1003 provided. Exception is clear.


Seller Comment (2024-09-16): Final 1003
 09/16/2024     1 C A C A C A C A C A   OR Primary Refinance - Cash-out - Other   C A C A C A A A     No
[Redacted] [Redacted] [Redacted] 2861 31650720     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.         Reviewer Comment (2024-09-16): RTC provided. Exception is clear.


Seller Comment (2024-09-16): RTC
 09/16/2024     1 C A C A C A C A C A   OR Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C A C A C A A A     Yes
[Redacted] [Redacted] [Redacted] 2861 31657014     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on [redacted], prior to [redacted] business days from transaction date of [redacted]. Please confirm disbursement date. We have disbursement date in file as [redacted]. RTC provided was not executed until [redacted]with an expiration date of[redacted].       Reviewer Comment (2024-09-17): Disbursement date has been updated. Exception is clear.


Seller Comment (2024-09-17): Disbursement date is [redacted]
 09/17/2024     1   A   A   A   A   A   OR Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C A C A C A A A     Yes
[Redacted] [Redacted] [Redacted] 2893 31467429     Credit Income / Employment Income Documentation Income / Employment Income documentation requirements not met.   Require SSA award letter for borrower.       Reviewer Comment (2024-08-29): Award letter provided. Exception is clear.


Seller Comment (2024-08-29): SS Award Letter Pamela uploaded
 08/29/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 2893 31518369     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - File is missing the Borrowers Award/Continuance Letter for the Social Security Income       Reviewer Comment (2024-08-29): Award letter provided. Exception is clear.


Seller Comment (2024-08-29): SS Award Letter Pamela uploaded
 08/29/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 2899 31474242     Credit Credit Credit Documentation Missing Document  Missing Document: Credit Report not provided   Credit Report not provided in file.       Reviewer Comment (2024-08-28): Credit report provided and updated .Exception cleared


Seller Comment (2024-08-28): Credit report uploaded
 08/28/2024     1 D A D A D A D A D A   MD Primary Refinance - Cash-out - Other   D A D A A A A A     No
[Redacted] [Redacted] [Redacted] 2899 31474322     Credit Credit Credit Calculation / Analysis Guideline Guideline Requirement: Representative FICO score discrepancy.   Credit Report not provided in file.       Reviewer Comment (2024-08-28): Credit report provided and updated for FICO Score .Exception cleared


Seller Comment (2024-08-28): Credit report uploaded
 08/28/2024     1 C A C A C A C A C A   MD Primary Refinance - Cash-out - Other   D A D A A A A A     No
[Redacted] [Redacted] [Redacted] 2914 31502210     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing. -         Reviewer Comment (2024-08-28): Property [redacted] , [redacted] is land only insurance not required .Exception cleared


Seller Comment (2024-08-28): This property is land only. Please re-review, there is no insurance.
 08/28/2024     1 C A C A C A C A C A   NV Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 2926 31518401     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing. -         Reviewer Comment (2024-09-04): Exception Cleared - REO property is Land only so Insurance verification is not required.


Seller Comment (2024-09-03): This property is land only. There is no insurance.
 09/04/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 2943 31585258     Compliance Compliance State Compliance Misc. State Level Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided Timely) [redacted] [redacted]: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower within [redacted] business days of  receipt of the loan application.                 2 B B B B B B B B B B   WA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 2956 31598467     Credit Guideline Guideline Issue Guideline Borrower has been on current job less than [redacted] years, and prior employment history was not documented as required. - Missing prior employment VVOE, required [redacted] year verification.       Reviewer Comment (2024-09-26): Received W-2 For previous employer. Exception Cleared.


Seller Comment (2024-09-25): W2 uploaded


Reviewer Comment (2024-09-10): [redacted] years income verification not met , Require W-2 document


Seller Comment (2024-09-10): corrected voe screen uploaded


Reviewer Comment (2024-09-09): Guidelines require [redacted] years employment/income verifcation. Borrower at current employment for [redacted] years and W2 for previous employer was not provided. Exception remains open.


Seller Comment (2024-09-09): Please re-review Final [redacted] . Employment history was provided.
 09/26/2024     1 C A C A C A C A C A   UT Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 2968 31562732     Compliance Compliance State Compliance Misc. State Level Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided Timely) [redacted] [redacted]: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower within [redacted] business days of  receipt of the loan application.                 2 B B B B B B B B B B   WA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 2976 31616531     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: ___                 
Disaster End Date: ___
Disaster Name: ___
Disaster Declaration Date: ___		 The subject property is located in a FEMA Disaster area. A post-disaster inspection verifying there was no damage to the subject property is required.       Reviewer Comment (2024-09-10): Inspection and photos dated after disaster and indicate no damage.
 09/10/2024     1 C A C A C A C A C A   FL Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 2999 31618562     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing. -         Reviewer Comment (2024-10-01): CD provided. Exception is clear.


Seller Comment (2024-09-30): Please re-review. CD provided for REO property which escrows insurance and taxes.
 10/01/2024     1 C A C A C A C A C A   PA Investment Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3006 31627470     Compliance Compliance State Compliance Misc. State Level Minnesota Tangible Net Benefit Disclosure [redacted] Originator and Servicer Licensing Act: Tangible Net Benefit Disclosure not provided to the Borrower.                 2 B B B B B B B B B B   MN Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 3013 31685871     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - Lifetime benefit verification provided in the file however verification of amount is missing.       Reviewer Comment (2024-10-01): Award letter received and updated. Exception Cleared.


Seller Comment (2024-09-30): Please see benefit amount letter
 10/01/2024     1 C A C A C A C A C A   KY Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3015 31692299     Credit 1003 Document Error 1003 Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided. - Supporting documents not provided as Borrower is Non-US citizen.       Reviewer Comment (2024-10-22): Green card provided.


Seller Comment (2024-10-22): permanent resident card uploaded
 10/22/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3015 31692302     Credit Missing Document General Missing Document Missing Document: Verification of Non-[redacted] Citizen Status not provided   Non-[redacted] citizen documents not provided for borrower.       Reviewer Comment (2024-10-22): Green card provided.


Seller Comment (2024-10-22): permanent resident card uploaded
 10/22/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3015 31692319     Credit Loan Package Documentation Application / Processing Loan Package Documentation 1003 Error: Citizenship Source Documentation  was not provided - Non [redacted] citizen documents not provided for borrower.       Reviewer Comment (2024-10-22): Green card provided.
 10/22/2024     1 B A B A B A B A B A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3022 31723588     Compliance Compliance Federal Compliance TILA Right of Rescission Not Provided - Purchase HELOC Truth in Lending Act:  Notice of Right to Cancel was not provided at account opening on a HELOC  [redacted] (entire line drawn at account opening for purchase of a dwelling).  HELOC Plan is subject to rescission until a Notice of Right to Cancel is provided and the rescission period expires.                 2 B B B B B B B B B B   LA Primary Purchase LOE, reopen rescission (new NORTC and new 3-day rescission period) and proof of receipt B B A A B B A A     Yes
[Redacted] [Redacted] [Redacted] 3023 31799624     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.   Calculated investor qualifying total debt ratio of  [redacted]% exceeds Guideline total debt ratio of [redacted]%.  The borrower is not the primary loan holder for the mortgage on the second home.  However, they are on the mortgage statement.  Therefore, we need [redacted] consecutive months of bank statements showing that someone else makes the mortgage payment on the second home in order to exclude the payment from the borrower's debt.       Reviewer Comment (2024-10-04): REO updated. Exception is clear.


Seller Comment (2024-10-03): Invalid- [redacted] consecutive months of bank statements are on pages [redacted]  showing that someone else makes the mortgage payment on the [redacted] home
 10/04/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3029 31785143     Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   The Note amount is $ [redacted]. Hazard coverage is $ [redacted] plus $ [redacted] Extended Coverage for total coverage amount of  [redacted], leaving a coverage shortfall of $ [redacted]. Replacement Cost Estimator is missing.       Reviewer Comment (2024-10-09): HOI meets requirements. Exception is clear.


Seller Comment (2024-10-08): Invalid- page [redacted]  HOI policy effectives dates [redacted]  show home protector coverage of additional  [redacted] dwelling coverage totaling [redacted]. Note amount  [redacted] leave an outstanding coverage amount of  [redacted] which will cover the [redacted] mortgage terms.
 10/09/2024     1 C A C A C A C A C A   CO Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3030 31851123     Credit Hazard Insurance Insufficient Coverage Hazard Insurance The Hazard Insurance Policy effective date is after the funds disbursed.   Hazard Insurance Policy Effective Dates [redacted] to [redacted], which is after the Disbursement Date [redacted].       Reviewer Comment (2024-10-14): Previous policy provided. Exception is clear.


Seller Comment (2024-10-09): Previous HOI [redacted] page attached covering the Note date.
 10/14/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3031 31850652     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing. -         Reviewer Comment (2024-10-15): Tax document provided. Exception is clear.


Seller Comment (2024-10-15): Property Tax Bill uploaded
 10/15/2024     1 C A C A C A C A C A   CA Investment Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3032 31871606     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.   The subject property is located in a FEMA disaster area. A post disaster inspection verifying there was no damage to the subject property is required.       Reviewer Comment (2024-10-16): PDI provided. Exception is clear.


Seller Comment (2024-10-15): No  damage PDI uploaded
 10/16/2024     1 C A C A C A C A C A   FL Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3032 31946847     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. Disaster Name: ___
Disaster Declaration Date: ___		         Reviewer Comment (2024-10-21): Inspection indicates no damage.


Seller Comment (2024-10-21): PDI uploaded
 10/21/2024     1   A   A   A   A   A   FL Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3033 31915643     Compliance Compliance State Compliance Misc. State Level Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided Timely) [redacted][redacted]: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower within [redacted] business days of  receipt of the loan application.                 2 B B B B B B B B B B   WA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 3035 31908404     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Approval not provided   Approval provided does not pertain to subject property address.       Reviewer Comment (2024-10-18): Approval provided. Exception is clear.


Seller Comment (2024-10-17): [redacted] uploaded
 10/18/2024     1 C A C A C A C A C A   FL Investment Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3040 31954401     Compliance Compliance Federal Compliance TILA HELOC Fees Used For Testing Truth in Lending Act (HELOC): Fees disclosed on Line of Credit Closing Statement exceed those disclosed in HELOC Agreement. Fees from the Line of Credit Closing Statement are used in any federal, state, and local high cost testing.                 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 3054 32055819     Compliance Compliance State Compliance Misc. State Level Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided Timely) [redacted] [redacted]: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower within [redacted] business days of  receipt of the loan application.                 2 B B B B B B B B B B   WA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 3060 32128922     Credit Loan Package Documentation Application / Processing Loan Package Documentation Mismatch of data related to Occupancy. - Occupancy: ___; Declarations/Will borrower occupy: ___ The subject loan is investment property and on final 1003 Declarations section A it is states borrower will occupy the property as primary property. Please provide the correct final signed 1003.       Reviewer Comment (2024-11-19): Revised 1003 provided. Exception is clear.


Seller Comment (2024-11-19): Correct 1003 attached
 11/19/2024     1 C A C A C A C A C A   FL Investment Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 3060 32156330     Compliance Compliance Federal Compliance Missing Required Data (other than HUD-1 or Note) Disparity in Occupancy - Not High Cost and Not Higher Priced The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment).                 2 B B B B B B B B B B   FL Investment Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 3063 32133762     Compliance Compliance State Compliance Misc. State Level Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided Timely) [redacted] [redacted]: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower within [redacted] business days of  receipt of the loan application.                 2 B B B B B B B B B B   WA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 3074 32256615     Compliance Compliance State Compliance Misc. State Level Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided Timely) [redacted] [redacted] [redacted]: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower within three ([redacted]) business days of  receipt of the loan application. [redacted] HB [redacted] Disclosure is missing.               2 B B B B B B B B B B   WA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 3078 32265454     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. Rate Set Date is missing.               2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 3094 32419133     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: 136 Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-11-25): Acceptable per Spring EQ guidelines.


Buyer Comment (2024-11-25): Does the PCI uploaded also clear this condition?
 11/25/2024     1 D A A A N/A A   A D A   CA Primary Refinance - Cash-out - Debt Consolidation   D A C A A A D A     No
[Redacted] [Redacted] [Redacted] 3094 32419137     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.   Missing Post Disaster Inspection (PDI).       Reviewer Comment (2024-11-22): PCI provided and cleared.


Buyer Comment (2024-11-22): pci
 11/22/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Debt Consolidation   D A C A A A D A     No
[Redacted] [Redacted] [Redacted] 3095 32419142     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.   Missing Post Disaster Inspection (PDI).       Reviewer Comment (2024-11-22): PCI provided and cleared.


Buyer Comment (2024-11-22): Please see uploaded PCI
 11/22/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A C A A A     No
[Redacted] [Redacted] [Redacted] 3095 32419143     Compliance Compliance Federal Compliance Missing Non-Required Data Disbursement Date Missing Test Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of [redacted] used as disbursement date for compliance testing. Closing statement and/or HUD-[redacted] was not provided.       Reviewer Comment (2024-11-22): After further review, exception cleared.
 11/22/2024     1 B A B A B A B A B A   CA Primary Refinance - Cash-out - Other   C A C A C A A A     No
[Redacted] [Redacted] [Redacted] 3095 32419144     Compliance Compliance Federal Compliance Compliance Note Interest Accrual Start Date Disbursement Date is missing.  Unable to determine Interest Accrual Start Date from the Note due to missing information. Closing statement and/or HUD-[redacted] was not provided.       Reviewer Comment (2024-11-22): After further review, exception cleared.
 11/22/2024     1 A A A A A A A A A A   CA Primary Refinance - Cash-out - Other   C A C A C A A A     No
[Redacted] [Redacted] [Redacted] 3095 32419145     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on [redacted], prior to [redacted]([redacted]) business days from transaction date of [redacted] [redacted] AM. Closing statement and/or HUD-[redacted] was not provided.       Reviewer Comment (2024-11-22): After further review, exception cleared.


Buyer Comment (2024-11-22): Please re-review. Disbursement was [redacted], and transaction date was [redacted]. This is invalid.
 11/22/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C A C A C A A A     No
[Redacted] [Redacted] [Redacted] 3096 32419155     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. Disaster Name: ___
Disaster Declaration Date: ___
Disaster End Date:  ___		         Reviewer Comment (2024-11-26): PCI provided and cleared.


Buyer Comment (2024-11-26): PCI dated [redacted] in file- page [redacted]


Buyer Comment (2024-11-26): Please see PCI
 11/26/2024     1 C A C A C A C A C A   CO Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3098 32419163     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.   Missing disaster inspection. Disaster end date is [redacted]       Reviewer Comment (2024-11-25): PCI provided and cleared.


Buyer Comment (2024-11-25): pci
 11/25/2024     1 C A C A C A C A C A   CA Investment Refinance - Cash-out - Other   C B C B A A A A     No
[Redacted] [Redacted] [Redacted] 3098 32419164     Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.           Reviewer Comment (2024-12-30): Title policy provided. Exception is clear.
 12/30/2024     1 A A A A A A A A A A   CA Investment Refinance - Cash-out - Other   C B C B A A A A     No
[Redacted] [Redacted] [Redacted] 3098 32429308     Credit Title Document Error Title There is no dollar amount noted on the title policy.   Loan amount is greater than $[redacted]K.  Title documentation provided does not include a coverage amount.       Reviewer Comment (2024-12-30): Title policy provided. Exception is clear.


Seller Comment (2024-12-30): Title Policy uploaded
 12/30/2024     1   A   A   A   A   A   CA Investment Refinance - Cash-out - Other   C B C B A A A A     No
[Redacted] [Redacted] [Redacted] 3098 32434605     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Combined loan to value discrepancy. Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. Lender has provided internal exception approval document citing FICO and residual income as comp factors. The representative FICO score exceeds the guideline minimum by at least [redacted] points. Re-graded and waived per client guidance. Aggregator,SitusAMC Reviewer Comment (2025-02-10): EXCEPTION HISTORY - Exception Explanation was updated on[redacted] PRIOR Exception Explanation: Calculated combined loan to value percentage of [redacted]% exceeds Guideline combined loan to value percentage of [redacted]%.


Reviewer Comment (2025-01-06): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Calculated combined loan to value percentage of [redacted]% exceeds Guideline combined loan to value percentage of [redacted]%.


Reviewer Comment (2025-01-06): Lender exception documented.


Reviewer Comment (2025-01-03): Exception Cleared - Verified and data corrected as per provided information.


Seller Comment (2024-12-31): FICO is [redacted]. As per [redacted] [redacted] Guidelines Min FICO for HCLTV [redacted]% is [redacted].
       2   B   B   B   B   B   CA Investment Refinance - Cash-out - Other   C B C B A A A A     No
[Redacted] [Redacted] [Redacted] 3106 32505632     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.   VOE states $[redacted] bi-weekly salary.  Much lower than lender income and inline with previous year's earnings.  [redacted] year history to validate trend was not provided for additional earnings.       Reviewer Comment (2025-01-09): Income and DTI have been updated. DYI now within guidelines at [redacted]%. Exception is clear.


Seller Comment (2025-01-07): The WorkNumber VOI used by the UW as the qualifying income document was verified on [redacted] and was current as of [redacted] shows the rate of pay is $[redacted] and the pay frequency is bi-weekly. It also shows the total income is $[redacted], which includes $[redacted] in base salary. The monthly average YTD base salary, based on $[redacted]YTD base salary earnings and the period from January [redacted]to [redacted], is $[redacted]


Reviewer Comment (2025-01-07): Verified salary reflected on the paystub however this does not align with The Work Number income verification provided in the file which reflects rate of pay as $[redacted]. LOX regarding the variance is required. Once received the income will be reviewed and updated.


Seller Comment (2025-01-06): INNVALID: [redacted]. Both bi-weekly pay stubs provided show the rate of pay (salary) is $[redacted]. The most recent pay stub with the [redacted]- [redacted] pay period shows the YTD total income is $[redacted] which includes $[redacted]in base salary. Up to [redacted], with [redacted]bi-weekly pay stubs in [redacted], the borrower would have received a bi-weekly base salary of $[redacted] ($[redacted] ÷ [redacted]) or $[redacted] monthly
 01/09/2025     1 C A C A C A C A C A   IL Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3108 32513531     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing. - LE provided for the property located on [redacted]is insufficient to verify payment. Final CD is required.       Reviewer Comment (2025-01-07): Final CD provided. Exception is clear.


Seller Comment (2025-01-06): Final CD uploaded


Reviewer Comment (2025-01-02): The Closing Statement provided does not verify the Final PITI payment for the property. CD is required.


Seller Comment (2025-01-02): Final Settlement Statement  [redacted] [redacted], [redacted], [redacted]
 01/07/2025     1 C A C A C A C A C A   CA Investment Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3111 32495934     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: ___                 
Disaster End Date: ___
Disaster Name: ___
Disaster Declaration Date: ___		 Most Recent Valuation Inspection Date: [redacted]                
Disaster End Date: [redacted]
Disaster Name: [redacted]
Disaster Declaration Date: [redacted]		       Reviewer Comment (2024-12-27): Appraisal performed after disaster indicates no damage.
 12/27/2024     1 C A C A C A C A C A   NC Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3115 32479864     Compliance Compliance State Compliance Misc. State Level Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided Timely) [redacted]HB [redacted]: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower within three ([redacted]) business days of  receipt of the loan application. [redacted]HB [redacted]is missing.               2 B B B B B B B B B B   WA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 3117 32492864     Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.           Reviewer Comment (2025-01-07): Short form title provided. Exception is clear.
 01/07/2025     1 A A A A A A A A A A   CA Second Home Refinance - Cash-out - Other   A A A A A A A A     No
[Redacted] [Redacted] [Redacted] 3117 32502281     Credit Title Document Error Title There is no dollar amount noted on the title policy.   Preliminary title documentation provided does not include a coverage amount.       Reviewer Comment (2025-01-07): Short form title provided. Exception is clear.


Seller Comment (2025-01-06): $[redacted]k is noted
 01/07/2025     1   A   A   A   A   A   CA Second Home Refinance - Cash-out - Other   A A A A A A A A     No
[Redacted] [Redacted] [Redacted] 3118 32492869     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. Disaster Name: ___
Disaster Declaration Date: ___
Disaster End Date:  ___		 The subject property is located in a FEMA disaster area. A post disaster inspection verifying there was no damage to the subject property is required.       Reviewer Comment (2024-12-03): PCI provided and cleared.


Buyer Comment (2024-12-03): PCI uploaded
 12/03/2024     1 C A C A C A C A C A   CA Primary Refinance - Rate/Term   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3119 32492874     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. Disaster Name: ___
Disaster Declaration Date: ___
Disaster End Date:  ___		         Reviewer Comment (2024-12-03): PCI provided and cleared.


Buyer Comment (2024-12-03): PCI uploaded
 12/03/2024     1 C A C A C A C A C A   CO Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3122 32492892     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.   The subject property is located in a FEMA disaster area. A post disaster inspection verifying there was no damage to the subject property is required.       Reviewer Comment (2024-12-04): Cleared with PDI


Buyer Comment (2024-12-04): PCI uploaded
 12/04/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3125 32492906     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. Disaster Name: ___
Disaster Declaration Date: ___
Disaster End Date:  ___		 Missing Post Disaster Inspection (PDI).       Reviewer Comment (2024-12-05): PCI provided and cleared.


Buyer Comment (2024-12-05): PCI uploaded
 12/05/2024     1 C A C A C A C A C A   MI Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3126 32492924     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.   AVM, missing property inspection report.       Reviewer Comment (2024-12-11): Cleared with PDI


Buyer Comment (2024-12-11): pci
 12/11/2024     1 C A C A C A C A C A   AL Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3127 32492929     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.   AVM, Missing Post Disaster Inspection (PDI).       Reviewer Comment (2024-12-11): PDI provided


Buyer Comment (2024-12-11): pci
 12/11/2024     1 C A C A C A C A C A   OR Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3128 32492936     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.   AVM used please provide property inspection report.       Reviewer Comment (2024-12-10): PCI provided and cleared.


Buyer Comment (2024-12-10): PCI uploaded
 12/10/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3129 32492937     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.   Missing Post Disaster Inspection (PDI).       Reviewer Comment (2024-12-10): PCI provided and cleared.


Buyer Comment (2024-12-10): PCI uploaded
 12/10/2024     1 C A C A C A C A C A   NJ Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3130 32492943     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.   AVM used, please provide property inspection report       Reviewer Comment (2024-12-09): PCI provided and cleared.


Buyer Comment (2024-12-09): PCI uploaded
 12/09/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3133 32492958     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.   Missing Post Disaster Inspection (PDI).       Reviewer Comment (2024-12-06): Cleared with PDI


Buyer Comment (2024-12-06): PCI uploaded
 12/06/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3135 32492979     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.   AVM used, please provide property inspection report       Reviewer Comment (2024-12-09): PCI provided and cleared.


Buyer Comment (2024-12-09): PCI uploaded
 12/09/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3135 32492980     Credit Legal / Regulatory / Compliance Title / Lien Defect Legal / Regulatory / Compliance Final Title Policy is missing. No evidence of title in file.           Reviewer Comment (2024-12-10): Provided


Buyer Comment (2024-12-10): Title policy uploaded
 12/10/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3136 32492981     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.   AVM used, please provide property inspection report       Reviewer Comment (2024-12-10): Cleared with PDI


Buyer Comment (2024-12-10): PCI uploaded
 12/10/2024     1 C A C A C A C A C A   MI Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3137 32492986     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.   AVM used, please provide property inspection report       Reviewer Comment (2024-12-09): PCI provided and cleared.


Buyer Comment (2024-12-09): PCI uploaded
 12/09/2024     1 C A C A C A C A C A   NJ Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3139 32492998     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. Disaster Name: ___
Disaster Declaration Date: ___
Disaster End Date:  ___		 AVM used, please provide property inspection report       Reviewer Comment (2024-12-10): PCI provided and cleared.


Buyer Comment (2024-12-10): PCI uploaded
 12/10/2024     1 C A C A C A C A C A   CO Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3154 32550020     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.   Missing Post Disaster Inspection (PDI).       Reviewer Comment (2024-12-04): Provided and cleared.


Buyer Comment (2024-12-04): PCI uploaded
 12/04/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3156 32550061     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. Disaster Name: ___
Disaster Declaration Date: ___
Disaster End Date:  ___		 AVM used, No property inspection in file.       Reviewer Comment (2024-12-13): PCI provided and cleared.


Buyer Comment (2024-12-13): pci
 12/13/2024     1 C A C A C A C A C A   IL Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3157 32550077     Credit Loan Package Documentation Closing / Title Loan Package Documentation Security Instrument Error: Security instrument maturity date and note maturity date do not concur.   Note lists Maturity date as [redacted] and Security Instrument lists Maturity date [redacted].       Reviewer Comment (2024-12-19): Cleared


Buyer Comment (2024-12-19): [redacted]


Buyer Comment (2024-12-19): Please see corrected security instrument with intent to re-record
 12/19/2024     1   A   A   A   A   A   CA Second Home Refinance - Cash-out - Other   A A A A A A A A     No
[Redacted] [Redacted] [Redacted] 3159 32580461     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing. - ___ Insurance Verification not provided.       Reviewer Comment (2025-01-09): Insurance provided. Exception is clear.


Seller Comment (2025-01-08): INVALID- document provided on pages [redacted]-[redacted]of upload.
 01/09/2025     1 C A C A C A C A C A   WA Investment Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3159 32580482     Credit Loan Package Documentation Application / Processing Loan Package Documentation Mismatch of data related to Occupancy. - Occupancy: ___; Declarations/Will borrower occupy: ___ Occupancy: Investment Declarations provided as a  borrower occupy: Yes       Reviewer Comment (2025-01-09): Revised  [redacted]provided. Exception is clear.


Seller Comment (2025-01-08): Attached
 01/09/2025     1 C A C A C A C A C A   WA Investment Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3161 32580464     Compliance Compliance State Compliance Misc. State Level Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided Timely) [redacted]HB [redacted]: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower within [redacted]([redacted]) business days of  receipt of the loan application. Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower within three ([redacted]) business days of receipt of the loan application.               2 B B B B B B B B B B   WA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 3172 32662554     Compliance Compliance Federal Compliance Missing Disclosure Notice of Special Flood Hazard Disclosure Not Provided Timely FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing.               2 B B B B B B B B B B   CA Investment Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 3176 32651827     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing. - ___ File is missing the Mortgage statements for the Property @ [redacted].       Reviewer Comment (2025-01-23): Credit line statement provided. Exception is clear.


Seller Comment (2025-01-22): Estimated payment amount


Reviewer Comment (2025-01-22): The HELOC Agreement does not reflect a payment. Exception remains open.


Seller Comment (2025-01-22): attached is the HELOC agreement


Reviewer Comment (2025-01-22): Statement is required to verify that the correct payment is being used to calculate the DTI. Documentation to verify PITIA on all REO properties is required. Exception remains open.


Seller Comment (2025-01-21): [redacted]nd MTG statement is not needed, Underwriter included the figures on the worksheet.[redacted]nd is not on the subject property


Reviewer Comment (2025-01-19): There is a [redacted]and [redacted]mortgage on this property per the Final [redacted]. Only one statement was provided. Please provide statement verifying [redacted]lien.


Seller Comment (2025-01-17): Attached
 01/23/2025     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3177 32639051     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on [redacted], prior to [redacted]([redacted]) business days from transaction date of [redacted] [redacted] AM. HELOC agreement dated [redacted] Transaction date based on Notary and RTC date appears this date was changed from the [redacted]nd to the [redacted]th on the RTC.  Please provide closing statement from title company to verify actual date.       Reviewer Comment (2024-12-09): Provided and cleared.


Buyer Comment (2024-12-09): Please see final settlement statement
 12/09/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C A C A C A A A     No
[Redacted] [Redacted] [Redacted] 3177 32639055     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. Disaster Name: ___
Disaster Declaration Date: ___
Disaster End Date:  ___		 AVM used, missing Exterior Property inspection which should clear this exception       Reviewer Comment (2024-12-17): PCI provided and cleared.


Buyer Comment (2024-12-17): PCI uploaded
 12/17/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A C A A A     No
[Redacted] [Redacted] [Redacted] 3178 32639069     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.   AVM used, please provide property inspection report       Reviewer Comment (2024-12-10): Cleared with PDI


Buyer Comment (2024-12-10): PDI uploaded
 12/10/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Debt Consolidation   C B C B A A A A     No
[Redacted] [Redacted] [Redacted] 3178 32639073     Credit Credit Credit Calculation / Analysis Guideline Guideline Requirement: Representative FICO score discrepancy. Representative FICO score of ___ is less than Guideline representative FICO score of ___. [redacted] matrix requires [redacted]FICO for CLTVs exceeding [redacted]%. Borrower has been employed in the same industry for more than [redacted] years.

Borrower has verified disposable income of at least [redacted].

Borrower has worked in the same position for more than [redacted] years.		 Approved [redacted] exception for FICO, re-graded and waived. Aggregator,SitusAMC

SitusAMC

SitusAMC		 Reviewer Comment (2024-12-13): Approved [redacted] exception for FICO, re-graded and waived.


Buyer Comment (2024-12-13): Approved exception with compensating factors.


Reviewer Comment (2024-12-11): We've been instructed by [redacted] to test [redacted] HELOCs to the [redacted] [redacted] Matrices, will email you snip of current matrix.


Buyer Comment (2024-12-11): Seller Response uploaded
       2 C B C B C B C B C B   CA Primary Refinance - Cash-out - Debt Consolidation   C B C B A A A A     No
[Redacted] [Redacted] [Redacted] 3178 32649190     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.             01/22/2025     1   A   A   A   A   A   CA Primary Refinance - Cash-out - Debt Consolidation   C B C B A A A A     No
[Redacted] [Redacted] [Redacted] 3180 32639081     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.   The subject property is located in a FEMA disaster area. A post disaster inspection verifying there was no damage to the subject property is required.       Reviewer Comment (2024-12-12): Cleared with PDI


Buyer Comment (2024-12-12): PCI uploaded
 12/12/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3180 32639084     Credit Hazard Insurance Insufficient Coverage Hazard Insurance The Hazard Insurance Policy effective date is after the funds disbursed.           Reviewer Comment (2024-12-11): Prior policy still in effect in file.


Buyer Comment (2024-12-11): Pages [redacted]-[redacted] contain needed HOI
 12/11/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3181 32639088     Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy. Title Evidence: ___ Title policy is Preliminary or Commitment, and not a Final Title policy. Verify data entry and enter exception if needed.       Reviewer Comment (2025-01-03): FTP provided and cleared.
 01/03/2025     1 A A A A A A A A A A   GA Primary Refinance - Cash-out - Other   A A A A A A A A     No
[Redacted] [Redacted] [Redacted] 3181 32639090     Credit Credit Miscellaneous Guideline Credit Exception:   Missing final title policy LA over [redacted]K       Reviewer Comment (2025-01-03): FTP provided and cleared.


Buyer Comment (2025-01-03): Final Title uploaded
 01/03/2025     1   A   A   A   A   A   GA Primary Refinance - Cash-out - Other   A A A A A A A A     No
[Redacted] [Redacted] [Redacted] 3182 32639107     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. Disaster Name: ___
Disaster Declaration Date: ___
Disaster End Date:  ___		         Reviewer Comment (2024-12-16): PCI provided and cleared.


Buyer Comment (2024-12-16): PCI Uploaded to file
 12/16/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3183 32639110     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.   AVM used for valuation, no property inspection performed since disaster end date.       Reviewer Comment (2024-12-16): PCI provided and cleared.


Buyer Comment (2024-12-16): pci
 12/16/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3183 32639116     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.   Increase in DTI after adding monthly payment of installment accounts and Solar payment.       Reviewer Comment (2025-01-15): [redacted] and [redacted] debts verified to be paid at closing as well as [redacted] being paid by another party. Debts updated and DTI is now at  [redacted]%.


Reviewer Comment (2024-12-17): After further review, exception cleared.


Buyer Comment (2024-12-17): P&L


Buyer Comment (2024-12-17): [redacted] CW - [redacted] and [redacted] were both paid off at closing and should be excluded from debt. For is paid by others and should also be excluded.
 12/17/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3183 32639117     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - Did not receive YTD Profit and Loss statements for either of the Partnerships.       Reviewer Comment (2024-12-18): Provided


Buyer Comment (2024-12-18): P&L for  [redacted]side Market and Liquor previously uploaded. Will upload P&L for  [redacted] as soon as it is obtained from seller.
 12/18/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3187 32639135     Compliance Compliance State Compliance State Defect [redacted] SB [redacted] [redacted] Predatory Lending Database Program (SB [redacted]) - Certificate of Compliance or Exemption not attached to mortgage for recording. Certificate of Compliance or Exemption is missing.       Reviewer Comment (2024-12-27): Provided and cleared.


Buyer Comment (2024-12-27): [redacted] doc uploaded
 12/27/2024     1 C A C A C A C A C A   IL Primary Refinance - Cash-out - Other   C A A A C A A A     No
[Redacted] [Redacted] [Redacted] 3188 32639139     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.   The subject property is located in a FEMA disaster area. A post disaster inspection verifying there was no damage to the subject property is required.       Reviewer Comment (2024-12-16): PCI provided and cleared.


Buyer Comment (2024-12-16): PCI upload
 12/16/2024     1 C A C A C A C A C A   VA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3189 32639148     Compliance Compliance State Compliance Misc. State Level Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided Timely) [redacted]HB[redacted]: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower within [redacted]([redacted]) business days of  receipt of the loan application. Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower within [redacted]([redacted]) business days of receipt of the loan application.               2 B B B B B B B B B B   WA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 3192 32639176     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.   AVM, used PCI required.       Reviewer Comment (2024-12-17): PCI provided and cleared.


Buyer Comment (2024-12-17): PCI uploaded
 12/17/2024     1 C A C A C A C A C A   GA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3193 32639188     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.   AVM used, please provide property inspection report       Reviewer Comment (2024-12-19): Cleared with PDI


Buyer Comment (2024-12-19): PCI uploaded
 12/19/2024     1 C A C A C A C A C A   MI Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3196 32639205     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.   AVM used, need PCI report       Reviewer Comment (2024-12-19): Cleared with PDI


Buyer Comment (2024-12-19): PCI uploaded
 12/19/2024     1 C A C A C A C A C A   MD Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3197 32639227     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.   AVM used, please provide property inspection report       Reviewer Comment (2024-12-20): Cleared with PDI


Buyer Comment (2024-12-20): PCI
 12/20/2024     1 C A C A C A C A C A   GA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3198 32639234     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.   AVM used, please provide property inspection report       Reviewer Comment (2024-12-23): Cleared with PDI


Buyer Comment (2024-12-23): PCI
 12/23/2024     1 C A C A C A C A C A   NJ Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3198 32639236     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.   [redacted] and [redacted] accounts excluded, please advise if any other liabilities have been excluded.       Reviewer Comment (2024-12-23): Cleared


Buyer Comment (2024-12-23): [redacted]  payment should also be excluded. It is being paid by the business [redacted] and is shown on [redacted] bank statements in the closed loan package.
 12/23/2024     1 C A C A C A C A C A   NJ Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3199 32639241     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.   Disaster Name: [redacted]
Disaster Declaration Date: [redacted]
AVM used, please provide property inspection report		 Borrower has been employed in the same industry for more than [redacted] years.

Borrower has owned the subject property for at least [redacted] years.

Borrower has verified disposable income of at least [redacted].

Borrower has worked in the same position for more than [redacted] years.

The representative FICO score exceeds the guideline minimum by at least [redacted] points.		   SitusAMC

SitusAMC

SitusAMC

SitusAMC

SitusAMC		 Reviewer Comment (2025-01-15): Inspection provided post-disaster indicates no damage.


Buyer Comment (2024-12-20): There is a PDI in the file page  [redacted]
 01/15/2025     1 C A C A C A C A C A   NC Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3200 32639244     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.   FEMA Disaster report is Missing. Need a post-disaster inspection verifying no damage to the subject property.  AVM used need PCI       Reviewer Comment (2024-12-19): Cleared with PDI


Buyer Comment (2024-12-19): PCI uploaded
 12/19/2024     1 C A C A C A C A C A   MI Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3201 32639247     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.   AVM used, please provide property inspection report       Reviewer Comment (2024-12-19): Cleared with PDI


Buyer Comment (2024-12-19): PCI uploaded
 12/19/2024     1 C A C A C A C A C A   GA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3203 32639273     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.   AVM used, please provide property inspection report       Reviewer Comment (2024-12-23): Cleared


Buyer Comment (2024-12-23): PCI
 12/23/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3203 32639277     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.   Total verified income of $[redacted], qualifying PITIA $[redacted], Credit debt $[redacted] (excluded vehicle payment $[redacted]), [redacted] Home PITIA of $[redacted] and Negative REO of $[redacted].       Reviewer Comment (2024-12-27): After further review, exception cleared.


Reviewer Comment (2024-12-23): We only capture the P&I payment on the [redacted], but yes, the taxes and insurance needs to be added to the DTI.


Buyer Comment (2024-12-23): [redacted] mortgage is not escrowing for taxes and insurance. Is it possible for the taxes and insurance to be omitted?
 12/27/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3204 32639298     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. Disaster Name: ___
Disaster Declaration Date: ___
Disaster End Date:  ___		 The property is located in a FEMA disaster area.  Provide a post-disaster inspection verifying there was no damage.  The inspection must include exterior photos, and the property must be re-inspected on or after [redacted] declared end date.  AVM used PI required.       Reviewer Comment (2024-12-26): PCI provided and cleared.


Buyer Comment (2024-12-26): PCI uploaded
 12/26/2024     1 C A C A C A C A C A   AZ Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3205 32639301     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.   AVM used, please provide property inspection report       Reviewer Comment (2024-12-23): Cleared with PDI


Buyer Comment (2024-12-23): PCI
 12/23/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3206 32639305     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.   AVM used. Missing Property exterior inspection required per guides.       Reviewer Comment (2024-12-23): Cleared with PDI


Buyer Comment (2024-12-23): PCI
 12/23/2024     1 C A C A C A C A C A   VA Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 3206 32639310     Compliance Compliance Federal Compliance Missing Disclosure Notice of Special Flood Hazard Disclosure Not Provided Timely FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing.               2 B B B B B B B B B B   VA Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 3207 32639315     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. Disaster Name: ___
Disaster Declaration Date: ___
Disaster End Date:  ___		 AVM used, please provide property inspection report       Reviewer Comment (2024-12-23): PCI provided and cleared.


Buyer Comment (2024-12-23): PCI
 12/23/2024     1 C A C A C A C A C A   KY Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3208 32639323     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.   AVM used for valuation, no inspection performed.  No FEMA end date established yet. Borrower has verified disposable income of at least [redacted].

Borrower has worked in the same position for more than [redacted] years.

The representative FICO score exceeds the guideline minimum by at least [redacted] points.		   SitusAMC

SitusAMC

SitusAMC		 Reviewer Comment (2025-01-15): Inspection provided indicates no damage.


Buyer Comment (2024-12-24): PDI completed on [redacted]. Found on page [redacted]
 01/15/2025     1 C A C A C A C A C A   NC Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3210 32639338     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.   FEMA Disaster inspection report is Missing.       Reviewer Comment (2024-12-31): Cleared with PDI


Buyer Comment (2024-12-31): PCI uploaded
 12/31/2024     1 C A C A C A C A C A   AZ Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3215 32690884     Credit Loan Package Documentation Closing / Title Loan Package Documentation Title search shows negative impact on title.   IRS federal lien is reflecting on title document. Appears lien was paid through closing. Please provide clear title search.       Reviewer Comment (2025-01-27): LOX provided. Exception is clear.


Seller Comment (2025-01-27): Title cannot remove the IRS lien as it was to be paid at closing. This is what title is stating. Liens can not be removed that are paid at closing.


Reviewer Comment (2025-01-27): LOX states lien to "to be paid" however closing was on [redacted] Is there a different lien that was paid on this loan?


Seller Comment (2025-01-24): lox uploaded
 01/27/2025     1 C A C A C A C A C A   NJ Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3221 32715820     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.           Reviewer Comment (2024-12-31): Cleared with PDI


Buyer Comment (2024-12-30): PCI
 12/31/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3221 32715825     Credit Title Document Error Title The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.           Reviewer Comment (2025-01-28): NA per guides.
 01/28/2025     1 B A B A B A B A B A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3223 32715876     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. Disaster Name: ___
Disaster Declaration Date: ___
Disaster End Date:  ___		 The subject property is located in a FEMA disaster area. A post disaster inspection verifying there was no damage to the subject property is required.  AVM, used PCI report required       Reviewer Comment (2025-01-02): PCI provided and cleared.


Buyer Comment (2025-01-02): PCI uploaded
 01/02/2025     1 C A C A C A C A C A   MN Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3224 32715886     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. Disaster Name: ___
Disaster Declaration Date: ___
Disaster End Date:  ___		 Need a post disaster property inspection report showing no damage to the subject property.  AVM used PCI required.       Reviewer Comment (2025-01-06): PCI provided and cleared.


Buyer Comment (2025-01-06): PCI
 01/06/2025     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3225 32715892     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.         Reviewer Comment (2025-01-28): NA per guides.
 01/28/2025     1 B A B A B A B A B A   MI Primary Refinance - Cash-out - Other   B A B A A A A A     No
[Redacted] [Redacted] [Redacted] 3226 32715893     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. Disaster Name: ___
Disaster Declaration Date: ___
Disaster End Date:  ___		 The subject property is located in a FEMA disaster area. A post disaster inspection verifying there was no damage to the subject property is required.  AVM used PCI required as well.       Reviewer Comment (2025-01-02): PCI provided and cleared.


Buyer Comment (2025-01-02): PCI
 01/02/2025     1 C A C A C A C A C A   FL Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3227 32715925     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.   The subject property is located in a FEMA disaster area. A post disaster inspection verifying there was no damage to the subject property is required.       Reviewer Comment (2025-01-08): Cleared with PDI


Buyer Comment (2025-01-08): PDI uploaded
 01/08/2025     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A B A A A     No
[Redacted] [Redacted] [Redacted] 3227 32715929     Compliance Compliance Federal Compliance GSE Fannie Mae [redacted] - [redacted] Points and Fees [redacted] [redacted] [redacted] Points and Fees Test.  Points and Fees on subject loan of [redacted] is in excess of the investor allowable maximum of  [redacted] of the Federal Total Loan Amount. Points and Fees total $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an investor allowable total of $[redacted] (an overage of $[redacted] or [redacted]).           01/28/2025     1 B A B A B A B A B A   CA Primary Refinance - Cash-out - Other LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C A C A B A A A     No
[Redacted] [Redacted] [Redacted] 3229 32715968     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.   AVM used, please provide property inspection report       Reviewer Comment (2025-01-09): Cleared with PCI


Buyer Comment (2025-01-09): PCI
 01/09/2025     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3230 32717550     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.   AVM used, missing exterior property inspection required by guidelines.       Reviewer Comment (2025-01-08): Cleared with PDI


Buyer Comment (2025-01-08): PCI uploaded
 01/08/2025     1 C A C A C A C A C A   ME Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3231 32717570     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on [redacted], prior to [redacted] [redacted] business days from transaction date of [redacted]. Disbursement date [redacted] taken from disbursement schedule.       Reviewer Comment (2025-01-10): Final CS provided and cleared.


Buyer Comment (2025-01-10): Final docs
 01/10/2025     1 C A C A C A C A C A   NV Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C A C A C A A A     No
[Redacted] [Redacted] [Redacted] 3231 32717571     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act:  Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). Disbursement date [redacted] taken from disbursement schedule.       Reviewer Comment (2025-01-10): After further review, exception cleared.
 01/10/2025     1 C A C A C A C A C A   NV Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C A C A C A A A     No
[Redacted] [Redacted] [Redacted] 3231 32717572     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.   AVM used, please provide property inspection report       Reviewer Comment (2025-01-09): Cleared with PCI


Buyer Comment (2025-01-09): PCI
 01/09/2025     1 C A C A C A C A C A   NV Primary Refinance - Cash-out - Other   C A C A C A A A     No
[Redacted] [Redacted] [Redacted] 3232 32717582     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.   AVM used; missing exterior property inspection required by guidelines.       Reviewer Comment (2025-01-10): PCI provided and cleared.


Buyer Comment (2025-01-10): PCI
 01/10/2025     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3233 32717607     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. Disaster Name: ___
Disaster Declaration Date: ___
Disaster End Date:  ___		 AVM used for valuation, no inspection performed.       Reviewer Comment (2025-01-13): PCI provided and cleared.


Buyer Comment (2025-01-13): PCI
 01/13/2025     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3236 32743440     Credit Loan Package Documentation Closing / Title Loan Package Documentation Title search shows negative impact on title.   Evidence of release / satisfaction is required for UCC filing on title from [redacted], dated [redacted] in an unspecified amount.       Reviewer Comment (2025-01-31): Verified fixture filing. Exception is clear.


Seller Comment (2025-01-31): Invalid- [redacted] Statement attached, debt included in DTI
 01/31/2025     1 C A C A C A C A C A   CT Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3236 32743518     Credit Income / Employment Income Documentation Income / Employment Income documentation requirements not met.   Missing VA Verification of Benefits.       Reviewer Comment (2025-01-31): Verification of benefits provided. Exception is clear.


Seller Comment (2025-01-31): Attached
 01/31/2025     1 C A C A C A C A C A   CT Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3240 32745848     Compliance Compliance State Compliance Misc. State Level Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided Timely) [redacted] HB [redacted]: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower within [redacted] ([redacted]) business days of  receipt of the loan application. Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower within [redacted] ([redacted]) business days of receipt of the loan application.               2 B B B B B B B B B B   WA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 3242 32746285     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: [redacted] qualifying total debt ratio discrepancy.   Approval reflects the exclusion of [redacted] accounts, [redacted] and [redacted] Card, that are paid by the business however the business accounts verifying payment were not provided.       Reviewer Comment (2025-02-03): Proof of payments by business for debts provided. Exception is clear.


Seller Comment (2025-02-03): [redacted] months bank statements showing business pays [redacted] & [redacted] attached
 02/03/2025     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3244 32746605     Credit Income / Employment Income Documentation Income / Employment Income documentation requirements not met.   Missing Co-borrower's [redacted] W-2 issued from prior employer documenting [redacted] to [redacted] earnings.       Reviewer Comment (2025-02-13): W2 and LOX provided. Exception is clear.


Seller Comment (2025-02-12): BWR LOX


Seller Comment (2025-02-12): [redacted] W2 attached for [redacted]- Bwr stated that she worked at [redacted] in [redacted] through a staffing agency called [redacted].


Reviewer Comment (2025-02-06): VVOE with [redacted] received however this is not the employment that needs verified. Missing VVOE or W2 for [redacted] from [redacted]-[redacted].


Seller Comment (2025-02-06): VOE prior employer


Reviewer Comment (2025-02-03): 1003 reflecting dates does not satisfy condition as it is not a third party verification. VVOE is not explicitly required however documentation verifying employment/income (W2 or VVOE) is required to verify [redacted] year continuous history per the guidelines. Not providing verification of this employment would result in an [redacted] month gap in employment and time with new employer does not meet the gap in employment guidelines. Exception remains open.


Seller Comment (2025-02-03): INVALID - [redacted]-year employment history is on employment section of 1003. Please refer to this. Dates not required to be on VOE screen.


Reviewer Comment (2025-01-31): Borrower does not meet gap in employment guidelines without verification of employment for [redacted] for previously stated timeframe by either VVOE or W2. Without verification the borrower has an [redacted] month gap in employment. Guidelines require time on present job since reentering workforce to be [redacted] months or greater for gaps that are greater than [redacted] months. Borrower has been on current job for less than [redacted] months. Exception remains open.


Seller Comment (2025-01-31): INVALID- [redacted] W2 is not required. Borrower "[redacted]" is employed with "[redacted]" since [redacted]. Recent paystub with [redacted] days YTD, [redacted] years W2 presented in the file, income has been calculated from the paystub, Conservative YTD income $[redacted].
 02/13/2025     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3257 32776607     Credit Insurance Insurance Analysis Insurance Hazard Insurance Policy expires within [redacted] days of the Note Date. Hazard Insurance Policy Expiration Date ___, Note Date ___ Hazard Policy is expiring on [redacted] which is within [redacted] days of Note date ([redacted]). Required renewed Hazard Policy.       Reviewer Comment (2025-04-09): Policy meets requirements
 04/09/2025     1 B A B A B A B A B A   NJ Primary Refinance - Cash-out - Other   B A B A A A A A     No
[Redacted] [Redacted] [Redacted] 3258 32795169     Compliance Compliance Federal Compliance TILA HELOC Fees Used For Testing Truth in Lending Act (HELOC): Fees disclosed on Line of Credit Closing Statement exceed those disclosed in HELOC Agreement. Fees from the Line of Credit Closing Statement are used in any federal, state, and local high cost testing.                 2 B B B B B B B B B B   PA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 3259 32776152     Credit Insurance Insurance Analysis Insurance Flood Insurance Policy expires within [redacted] days of the Note Date. Flood Insurance Policy Expiration Date ___; Note Date ___ Flood Insurance Policy Expiration Date [redacted]; Note Date [redacted], Need renewal Flood policy               2 B B B B B B B B B B   FL Primary Refinance - Cash-out - Other   B B B B A A A A     No
[Redacted] [Redacted] [Redacted] 3260 32784655     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - Missing VA Verification of Benefits supporting $[redacted] monthly income amount used to qualify       Reviewer Comment (2025-02-07): Exception Cleared - Received VA Verification of Benefits associated the same and data updated as per provided documents.


Seller Comment (2025-02-06): INVALID see page [redacted] . , This shows $[redacted] per year. VA is always [redacted] non-taxable so $[redacted] x [redacted] (grossed up) / [redacted] = $[redacted] per month.
 02/07/2025     1 C A C A C A C A C A   OH Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3261 32785561     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.   The property is located in a FEMA disaster area.  Provide a post-disaster inspection verifying there was no damage.  The inspection must include exterior photos and the property must be re-inspected on or after [redacted] declared end date.       Reviewer Comment (2024-12-30): Cleared with PDI


Buyer Comment (2024-12-30): PCI uploaded
 12/30/2024     1 C A C A C A C A C A   NJ Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3262 32785565     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.   The subject property is located in a FEMA disaster area. A post disaster inspection verifying there was no damage to the subject property is required.       Reviewer Comment (2024-12-27): PCI provided and cleared.


Buyer Comment (2024-12-27): PCI
 12/27/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3262 32785567     Credit Title Document Error Title The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.           Reviewer Comment (2025-02-05): NA per guides.
 02/05/2025     1 B A B A B A B A B A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3263 32785576     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.   The property is located in a FEMA disaster area.  Provide a post-disaster inspection verifying there was no damage.  The inspection must include exterior photos and the property must be re-inspected on or after [redacted] declared end date.       Reviewer Comment (2024-12-27): PCI provided and cleared.


Buyer Comment (2024-12-27): PCI uploaded
 12/27/2024     1 C A C A C A C A C A   MI Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3263 32785577     Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.           Reviewer Comment (2025-01-09): After further review, exception cleared.
 01/09/2025     1 A A A A A A A A A A   MI Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3263 32785578     Credit Title Document Error Title The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.   The file was missing a copy of the final title policy.       Reviewer Comment (2025-01-09): After further review, exception cleared.


Buyer Comment (2025-01-09): An ownership and encumbrance report was provided for this file. The report does not provide coverage. Please re-review.
 01/09/2025     1 C A C A C A C A C A   MI Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3264 32785582     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.           Reviewer Comment (2024-12-31): Cleared with PDI


Buyer Comment (2024-12-30): PCI
 12/31/2024     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3264 32785584     Credit Title Document Error Title The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.           Reviewer Comment (2025-02-05): NA per guides.
 02/05/2025     1 B A B A B A B A B A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3265 32785599     Credit Title Document Error Title The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.           Reviewer Comment (2025-02-05): NA per guides.
 02/05/2025     1 B A B A B A B A B A   CA Primary Refinance - Cash-out - Other   B A B A A A A A     No
[Redacted] [Redacted] [Redacted] 3266 32785604     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.   AVM used, please provide property inspection report       Reviewer Comment (2025-01-02): Cleared with PDI


Buyer Comment (2025-01-02): PCI
 01/02/2025     1 C A C A C A C A C A   AZ Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3267 32785611     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. Disaster Name: ___
Disaster Declaration Date: ___
Disaster End Date:  ___		 AVM used, please provide property inspection report       Reviewer Comment (2025-01-02): PCI provided and cleared.


Buyer Comment (2025-01-02): PCI
 01/02/2025     1 C A C A C A C A C A   AZ Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3268 32785619     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. Disaster Name: ___
Disaster Declaration Date: ___
Disaster End Date:  ___		 AVM used. Missing Property exterior inspection required per guides.       Reviewer Comment (2025-01-03): PCI provided and cleared.


Buyer Comment (2025-01-03): PCI
 01/03/2025     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3271 32785663     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. Disaster Name: ___
Disaster Declaration Date: ___
Disaster End Date:  ___		 The subject property is located in a FEMA disaster area. A post disaster inspection verifying there was no damage to the subject property is required.  AVM used PCI required.       Reviewer Comment (2025-01-08): PCI provided and cleared.


Buyer Comment (2025-01-08): PCI
 01/08/2025     1 C A C A C A C A C A   NJ Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3272 32785667     Compliance Compliance Federal Compliance GSE [redacted] [redacted] - [redacted] Points and Fees [redacted] [redacted] [redacted] Points and Fees Test.  Points and Fees on subject loan of [redacted] is in excess of the investor allowable maximum of the greater of [redacted] of the Federal Total Loan Amount and $[redacted] ([redacted]). Points and Fees total $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an investor allowable total of $[redacted] and $[redacted] ([redacted]) (an overage of $[redacted] or [redacted]). Points and Fees on subject loan of [redacted] is in excess of the investor allowable maximum of the greater of [redacted]% of the Federal Total Loan Amount and $[redacted]. Points and Fees total $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an investor allowable total of $[redacted] and $[redacted], an overage of $[redacted] or [redacted]%.               2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 3272 32785669     Credit Property - Appraisal Appraisal Documentation Property - Appraisal Valuation Error: AVM high value in range not provided. - AVM High Value is illegible, please provide better copy of AVM.       Reviewer Comment (2025-02-05): AVM findings acceptable.
 02/05/2025     1 B A B A B A B A B A   CA Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 3272 32785670     Credit Property - Appraisal General Appraisal Requirements Property - Appraisal Valuation Error: AVM low value in range not provided. - AVM Low Value is illegible, please provide better copy of AVM.       Reviewer Comment (2025-02-05): AVM findings acceptable.
 02/05/2025     1 B A B A B A B A B A   CA Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 3272 32785674     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.   Disaster Name: [redacted]
Disaster Declaration Date: [redacted]
Disaster End Date: [redacted]		       Reviewer Comment (2025-01-08): Cleared with PDI


Buyer Comment (2025-01-08): PCI uploaded
 01/08/2025     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 3273 32785681     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.           Reviewer Comment (2025-01-08): Cleared with PCI


Buyer Comment (2025-01-08): PCI
 01/08/2025     1 C A C A C A C A C A   OR Primary Refinance - Cash-out - Other   C B C A C B A A     No
[Redacted] [Redacted] [Redacted] 3273 32785683     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on [redacted], prior to [redacted] ([redacted]) business days from transaction date of [redacted] RTC was signed by borrower on [redacted], however Notary date on mortgage was [redacted].       Reviewer Comment (2025-01-17): Cure docs provided.


Buyer Comment (2025-01-17): Restitution
   01/17/2025   2 C B C B C B C B C B   OR Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B C A C B A A     No
[Redacted] [Redacted] [Redacted] 3274 32785720     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. Disaster Name: ___
Disaster Declaration Date: ___
Disaster End Date:  ___		 AVM used; missing exterior property inspection required by guidelines.       Reviewer Comment (2025-01-13): PCI provided and cleared.


Buyer Comment (2025-01-13): PCI
 01/13/2025     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3275 32785738     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.   AVM used; missing exterior property inspection required by guidelines.       Reviewer Comment (2025-01-13): Cleared with PCI


Buyer Comment (2025-01-13): PCI uploaded
 01/13/2025     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3275 32785739     Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.           Reviewer Comment (2025-02-05): Title policy provided.
 02/05/2025     1 A A A A A A A A A A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3275 32785740     Credit Title Document Error Title The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.           Reviewer Comment (2025-02-05): Title policy provided.
 02/05/2025     1 B A B A B A B A B A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3276 32785743     Compliance Compliance Federal Compliance GSE [redacted] [redacted] - [redacted]% Points and Fees [redacted] [redacted] [redacted]% Points and Fees Test.  Points and Fees on subject loan of [redacted]% is in excess of the investor allowable maximum of  [redacted]% of the Federal Total Loan Amount. Points and Fees total $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an investor allowable total of $[redacted] (an overage of $[redacted] or [redacted]%). Points and Fees on subject loan of [redacted]% is in excess of the investor allowable maximum of  [redacted]% of the Federal Total Loan Amount. Points and Fees total $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an investor allowable total of $[redacted], an overage of $[redacted] or [redacted]%.               2 B B B B B B B B B B   UT Primary Refinance - Cash-out - Other LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 3276 32785746     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.   AVM used; missing exterior property inspection required by guidelines.       Reviewer Comment (2025-01-13): PCI provided and cleared.


Buyer Comment (2025-01-13): PCI
 01/13/2025     1 C A C A C A C A C A   UT Primary Refinance - Cash-out - Other   C B C A B B A A     No
[Redacted] [Redacted] [Redacted] 3277 32785748     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.   There was FEMA Disaster Declaration dated [redacted]. A post disaster inspection report is needed. The post disaster inspection report must reflect there is no damage to the subject property and must be dated after the disaster end date.  AVM used need PCI       Reviewer Comment (2025-01-15): Cleared with PCI


Buyer Comment (2025-01-15): PCI
 01/15/2025     1 C A C A C A C A C A   SC Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3278 32785755     Compliance Compliance State Compliance Misc. State Level Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided Timely) [redacted]: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower within [redacted] ([redacted]) business days of  receipt of the loan application. [redacted] Itemized Disclosure is missing.               2 B B B B B B B B B B   WA Primary Refinance - Cash-out - Other   B B A A B B A A     No
[Redacted] [Redacted] [Redacted] 3279 32785757     Credit Title Document Error Title The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.   Title policy amount is not provided.       Reviewer Comment (2025-02-05): Title policy provided.
 02/05/2025     1 B A B A B A B A B A   CA Primary Refinance - Cash-out - Other   B A B A A A A A     No
[Redacted] [Redacted] [Redacted] 3279 32785758     Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.   Final title policy not provided.       Reviewer Comment (2025-02-05): Title policy provided.
 02/05/2025     1 A A A A A A A A A A   CA Primary Refinance - Cash-out - Other   B A B A A A A A     No
[Redacted] [Redacted] [Redacted] 3280 32785770     Credit Title Document Error Title The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.           Reviewer Comment (2025-02-05): NA per guides.
 02/05/2025     1 B A B A B A B A B A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3280 32785772     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.   AVM used; missing exterior property inspection required by guidelines.       Reviewer Comment (2025-01-17): PCI provided and cleared.


Buyer Comment (2025-01-17): PCI uploaded
 01/17/2025     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3281 32785774     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. Disaster Name: ___
Disaster Declaration Date: ___
Disaster End Date:  ___		 AVM used; missing exterior property inspection required by guidelines.       Reviewer Comment (2025-01-16): PCI provided and cleared.


Buyer Comment (2025-01-16): PCI
 01/16/2025     1 C A C A C A C A C A   NC Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3283 32785827     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.   AVM used; missing exterior property inspection required by guidelines.       Reviewer Comment (2025-01-21): PCI provided and cleared.


Buyer Comment (2025-01-20): PCI
 01/21/2025     1 C A C A C A C A C A   OH Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3283 32785828     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - Form K-1 ([redacted]) missing showing loss carried on final 1003.       Reviewer Comment (2025-01-21): After further review, exception cleared.


Buyer Comment (2025-01-21): The Schedule E (broken down in statement [redacted]) shows $[redacted] in non-passive losses which was factored into the income calculation. No positive income is being used, therefore no K-1 is required. The borrower's self-employed income is Schedule C income, and all necessary documentation was provided to calculate the income.
 01/21/2025     1 C A C A C A C A C A   OH Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3283 32785829     Credit Income / Employment Income Documentation Income / Employment Income documentation requirements not met.   Form K-1 ([redacted]) missing showing loss carried on final 1003.       Reviewer Comment (2025-01-21): After further review, exception cleared.
 01/21/2025     1 C A C A C A C A C A   OH Primary Refinance - Cash-out - Other   C A C A A A A A     No
[Redacted] [Redacted] [Redacted] 3287 32832163     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing. - ___ Require mortgage statement for property [redacted].  [redacted] mortgage does not appear on credit report.       Reviewer Comment (2025-02-17): Mortgage history provided. Exception is clear.


Seller Comment (2025-02-14): INVALID see pages [redacted] and [redacted] no statement mortgage history provided.
 02/17/2025     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   C A C A A A A A     No